Neptune Flood

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

Resources For You



Neptune vs.


Residential Flood

Property Eligibility

  • 1-4 family dwellings, including condos for unit owners
  • 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, NY, 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


Any occupancy, including seasonal, secondary and vacant

Post Bind Docs*

Upload in Agency Management or email to your assigned Underwriter
*Trailing docs required: signed app with E & S docs, an EC (if used to rate) & closing statement (if no wait)

Minimum Premium

  • $350 Homes
  • $250 Condos and Tenant

Replacement Cost or ACV

Building - Replacement cost for single family homes when primary residence & 80% ITV
Contents - ACV standard with optional endorsement to add Replacement Cost

Commercial Flood

States Available

  • Alabama
  • Arizona
  • Connecticut
  • Florida
  • Georgia
  • Louisiana
  • Mississippi
  • Michigan
  • New Jersey
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • Texas
  • Virginia
  • West Virginia
  • Wisconsin

Max Building Coverage

  • $2,000,000

Max Content Coverage

  • $500,000

Business Interruption

  • $25,000