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: Lloyds of London

  • Renewals: Automatic

  • Direct Bill

Resources For You

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




Occupancy


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





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New Agency Portal Training

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Debunking Flood Insurance Myths

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Neptune Flood History Lesson

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Florida License # L069709 | California License #0K11418