Flood Insurance in minutes.
Private flood insurance that's often faster and more affordable than the NFIP — with higher limits and broader coverage options. Just enter your address to start.
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What flood insurance covers
Building Property
Your home structure, foundation, electrical, plumbing, and built-ins.
Contents
Personal property and belongings damaged by flooding.
Higher Limits
Coverage limits that can exceed what the NFIP offers.
Replacement Cost
Replacement-cost options so you can rebuild and replace, not just depreciate.
Additional Living Expenses
Help with extra costs if a flood makes your home unlivable (where available).
Commercial Flood
Coverage for small businesses and commercial properties.
Coverage for every property
Coverage for
What our customers say
Real 5-star reviews from our customers on Google. Read more on Google
Laura was a pleasure to work with. She made the impossible happen when others turned me down! Definitely a 5-star performance!
10/10 — Laura was wonderful getting me the cheapest insurance possible. Patient, friendly, all of the above. Great customer service. Definitely recommending!
Laura has the best customer service ever. She really cares about who she is helping, very patient, and will get you the best deal!
Logan is so amazing — very knowledgeable and patient. It's always a pleasure to do business with him. Look forward to continuing business with you!
Chase Stewart was a great help getting me set up with a very affordable, full-coverage policy on my new truck.
Great customer service, great rate. They even helped me cancel my other insurance. Thank you!
Don't wait for the next storm.
Home policies do not cover flood. Get a fast flood quote today.
Get My Flood QuoteFlood insurance FAQs
Does my homeowners insurance cover flooding?
No — standard home and renters policies exclude flood damage. You need a separate flood policy to be protected.
How is private flood different from the NFIP?
Private flood insurers like Neptune often offer faster quotes, higher limits, and broader coverage options than the government NFIP program.
Is there a waiting period?
Flood policies commonly have a waiting period before coverage begins, so it is best to buy before a storm is in the forecast.
Do I need flood insurance if I am not in a flood zone?
Many flood claims come from outside high-risk zones. Coverage is available — and often affordable — for lower-risk properties too.