Neptune Flood is an InsurTech program where you can quote and bind flood insurance in two minutes or less.

Neptune Flood offers:

Private Residential Flood  

Private Commercial Flood

Neptune Flood is available in these 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.

Private Residential Flood

Acceptable risks

• 1-4 family dwellings
  
• Condos for unit owners
  
• All types of occupancy including
  

• Seasonal/Secondary homes
  
• Vacant homes
  

Minimum Premiums for homes: $350

Minimum Premiums for condos: $250

Coverage & Limits:

• Coverage A: Building - up to $2,000,000
  
• Coverage B: Personal Property- up to $500,000
  
• Coverage F: Basement Contents- up to $10,000 or 75% of the limit
  
• Coverage G: Pool Repair and Refill- up to $10,000
  
• Coverage H: Unattached Structures- up to $50,000
  
• Coverage I: Temporary Living Expense: up to $50,000
  

No EC or photos needed to bind

No waiting period for home closings- Exceptions are a 10 days waiting period

Deductibles from $1,000-$25,000

Endorsements available such as replacement cost, term life express, and more.

Commercial Flood

Available in AL, AZ, CT, FL, GA, LA, MI, MS, PA, RI, VA, WI, WV & WV

Coverage & Limits:

• Coverage A: Building- up to $2,000,000
  
• Coverage B: Personal Property: up to $500,000
  

Business Interruption coverage available for up to $25,000

No EC or photos needed to bind

No waiting period for real estate closings- Exceptions are a 10 days waiting period

Benefits of Neptune Flood

Quote and bind directly online

No required documents to bind policies

Neptune handles all servicing and billing

File claims directly with Neptune Flood

Dashboard that manages quotes and policies.

Policy documents available:

• Dec pages
  
• Application
  
• Invoices
  

Fantastic Customer Service:

• General & IT questions
  

• (888) 211-2776
  
• support@neptuneflood.com
  

• Changes to active policy
  

• endorsements@neptunefloodins.net
  

• Live chat
  

Terms and Conditions

Insured receives terms and conditions privately through an email, and has five days to sign before the policy documents are populated. Once signed, the policy documents are accessed through the dashboard.

As an appointed agent, you can have access to several InsurTech online programs such as Neptune Flood. If you would like to access Neptune Flood through London Underwriters, become appointed today.