Neptune Flood Insurance in Florida

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Neptune Flood Insurance in Florida
Flood Insurance from Neptune

Why Flood Insurance from Neptune?

Floods are the most frequent and costly natural disaster in the U.S., and standard homeowners policies don't cover flood damage. In Florida, with heavy rains and hurricanes, flood insurance isn’t optional—it’s essential.

Neptune Flood makes it fast and easy to get comprehensive protection backed by A-rated carriers, all from your phone or computer in under 2 minutes.

Florida’s Flood Risk Is Real

Florida consistently ranks #1 in the U.S. for flood-related insurance claims—and it’s no surprise. From June through November, hurricane season brings heavy rains, storm surges, and coastal flooding. Even a slow-moving afternoon thunderstorm can overwhelm drainage systems and cause serious damage.

And here’s the kicker: more than 25% of flood claims come from properties outside high-risk flood zones.

Whether you're in Miami, Tampa, Orlando, or inland areas like Ocala or Gainesville, flood insurance isn't a luxury—it’s a must.

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Protect your home from rising water
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Stay covered during the next storm
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Be ready before your lender requires it
Florida’s Flood Risk

What Does Neptune Cover?

Residential Flood Insurance

Up to $250,000 in Building Coverage
Up to $100,000 in Contents Coverage
Optional:
Temporary Living Expenses (up to $20,000)
Replacement Cost on Contents
Basement Contents
Unattached Structures
Pool Repair & Refill
Loss of Rental Income
Building Betterments & Improvements

Commercial Flood Insurance

Up to $4M for buildings, $1M for contents
Optional:
Business Interruption (up to $50,000)
Rental Loss (up to $500,000 for apartments)
Replacement Cost on Building
Pool Repair & Refill
Basement Contents

Excess Flood Insurance

For high-value homes and businesses that exceed NFIP limits
Residential up to $4M building / $500k contents
Commercial up to $4M building / $1M contents

Condo Associations (RCBAP)

Up to $15M in building coverage
Up to $500k in contents coverage

What Does Neptune Cover?

Feature
NFIP
Neptune Flood
Max Residential Building Limit
$250,000
$250,000
(Primary) + Excess Available
Contents Coverage
$100,000
$100,000
(Primary) + Excess Available
Additional Coverages
Limited
Extensive Optional Coverages
Waiting Period
30 Days
10 Days
(0 for closings / rollovers)
Online Quote & Binding
Manual Process
100% Digital, Under 2 Minutes

Who Needs Flood Insurance?

Neptune Flood makes it fast and easy to get comprehensive protection backed by A-rated carriers, all from your phone or computer in under 2 minutes.

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Homeowners
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Renters
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Condo Owners & Associations
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Business Owners & Landlords
Flood Insurance

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Have Questions?
Speak with our licensed Florida specialists for personalized help.
📞 561-463-5814