London Underwriters offers Residential Flood programs available through NFIP, Neptune Flood and Dual. Our programs offer both primary and excess flood coverage.

  • Non-Admitted

  • Private Flood Program

  • Programs Available: Neptune Flood, Dual, and NFIP

Neptune Flood Guidelines

Our appointed agents have the ability to quote and bind directly online via Neptune Flood. Below are some of the underwriting & eligibility guidelines for your review:

  • Coverage A - Building: Up to $2,000,000
  • Coverage B - Personal Property: Up to $500,000
  • Coverage F - Basement Contents: 75% of limit, up to $10k
  • Coverage G - Pool Repair and Refill: Up to $10,000
  • Coverage H - Unattached Structures: Up to $50,000
  • Coverage I - Temporary Living Expense: 75% of limit, up to $10k
  • Deductibles: $1,000 - $50,000
  • Minimum Premiums:
    • Homes $350
    • Condos and Tenant $250
Property Eligibility
  • 1-4 family dwellings, including condos for unit owners
  • Any occupancy, including seasonal, secondary and vacant
  • States: AL, AZ, CA, CO, CT, DE, FL, GA, HI, IA, IN, KS, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV
Ineligible Risks
  • Properties with >1 loss OR 1 loss > $25k
  • Manufactured or Mobile Homes
  • A building located entirely in, on, or over water
  • Grandfathered or CBRA properties

Dual Guidelines: NFIP Program

  • Carrier A.M. Best Rating: “A”
  • Excess Flood
  • Private Primary Flood
  • NFIP
Coverage Available:
  • Residential Buildings
  • Contents
  • Loss of Income (Loss of Rents)
Limits of Liability
  • Residential: $250,000
  • Residential: $100,000
  • Range $1,250 to $25,000

Dual Guidelines: Primary Flood Program

You can submit risks for dual for one of our Underwriters to assist you. Dual's Flood Program is specifically designed for Residential Properties. Their programs include: NFIP, Private Primary Flood and Excess Flood.

  • Carrier A.M. Best Rating: “A”
  • Excess Flood
  • Private Primary Flood

Limits of Liability:
  • Building & Contents: $5M combined on any one building
Eligible Properties:
  • Primary & Secondary Residential
Minimum Deductible:
  • $2,000 per occurrence for Buildings
  • $2,000 per occurrence for Contents
Waiting Period:
  • No waiting period in respect to loan closing
  • 7 day waiting period for coastal (Tier 1& 2) risks
  • 14 day waiting period for inland risks
Program Benefits:
  • Competitive against NFIP pricing
  • Replacement Cost coverage for building & contents
  • No Elevation Certificate (EC) is required but some locations may require EC to bind coverage
  • Ability to schedule multiple locations into one policy
  • Loss of income/loss of rents coverage
  • Improvements & Betterments additional limits
  • Policy wording meets lender compliance

Dual Guidelines: Excess Flood Program

  • Carrier A.M. Best Rating: “A”
  • Excess Flood
  • Private Primary Flood
Limits Available/Per Occurrence: $20 Million Over All Interest Per Risk. Additional Limits Available Upon Request (Building, Contents, Loss of Income)
  • $20 Million Condo Building
  • $10 Million Earthquake When Purchased with Excess Flood

Submit A Quote
Downloadable Documents

How to Sell Flood

Neptune vs. NFIP

Neptune Appetite Guide

  • Black LinkedIn Icon
  • Facebook
  • Twitter
  • YouTube
  • Instagram
Personal Lines
Our Company
InsurTech Online Programs
Commercial Lines
Agency Services
Excess & Surplus Online Programs
Contact Us

Copyright © 2021 London Underwriters, LLC. All Rights Reserved.

Privacy Policy | Terms & Conditions | Disclaimer

Florida License # L069709 | California License #0K11418