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Neptune Flood
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Neptune Flood is an online rater where you can quote & bind residential and commercial flood directly online.

  • Non-Admitted

  • A.M. Best Rating: A-

  • Carrier: Lloyd's of London

  • Renewals: Automatic

  • Direct Bill

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Neptune vs.

NFIP

Residential Flood

Dwelling Coverage 

$4,000,000

Contents Coverage 

$500,000

Additional Coverage

Basement Contents, Pool Repair and Refill, Unattached Structures, Temporary Living Expenses

Elevation Certificate (EC)

Not Required

Waiting Period

No wait on real estate closing otherwise 10 days.

Eligibility

1-4 family dwelling, including condos for unit owners.

Ineligibility

  • Properties with > 1 loss or > $25K

  • Manufactured or Mobile Homes

  • A building located entirely in, on, or over water

  • Grandfathered or CBRA properties

Available Deductibles:

$1,000 — $1,250 — $2,000 — $5,000 — $10,000 — $25,000

Commercial Flood

Dwelling Coverage 

$4,000,000

Contents Coverage 

$500,000

Additional Coverage

Yes! Business Interruption up to $25,000

Elevation Certificate (EC)

No

Waiting Period

No wait on real estate closing otherwise 10 days.

Eligibility

  • 100,000 sq ft limitation for non-residential risks (only applies when purchasing building coverage, not for contents-only).

  • Apartments and Condos (RCBAP)

    • 80-unit limit per building

    • One policy per building

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Available Deductibles:

$1,250 — $2,000 — $5,000 — $10,000 — $25,000 — $50,000