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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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Upcoming

Webinars

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

  • Non-residential risks.

  • Building square footage: There is no minimum and maximum square footage in X and A zones. For V  zones there is no minimum and the maximum is 25,000 square feet. Please note this is not limited to the space being occupied, leased/rented but rather the entire building square footage.

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Available Deductibles:

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