Available in CT, DE, MD, NJ, VA

NBIC is a large homeowners insurance carrier with few restrictions. They are a wholly-owned subsidiary of Heritage Insurance Company and write HO3, HO4, HO5 (excluding VA), HO6, and DP3 products (varies by state).


  • No hurricane deductible requirements
  • All other peril deductible options up to $50,000
  • Do not require Primary to write Secondary
  • Very competitive 2 miles from the ocean or bay with much of their book within 10 miles (…market niche). However, they have rates for all zip codes in our states
  • Value Added Coverage’s include
    • Guaranteed home replacement cost available
    • Equipment Breakdown Coverage 
    • Service lines coverage- pays to repair or replace exterior underground water and sewer piping, electrical service lines and data lines that fail or are accidentally broken.
    • Agents can bind up to $1.6 million of Coverage A, NBIC can bind in excess of $3 million with prior approval
    • Can write liability limits up to $1 million
    • Can add umbrella coverage between $1 and $5 million available

Write Business with NBIC