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Neptune Flood Insurance was founded in 2016 by merging technology and algorithms with insurance to come up with affordable Flood Insurance coverage.

Neptune Flood is a private flood insurer vs the government-backed NFIP. Flood insurance from Neptune is available nationwide, making it even easy for customers to get the flood coverage they need. A Neptune flood policy can provide the same coverage as the NFIP or broader coverage if selected as additional coverage.

Neptune also offers a reduced waiting period of only 10 days compared to the 30-day waiting period under the NFIP. For new home loan closings, Neptune Flood does not apply a waiting period to their flood insurance plan. Neptune Flood’s policies are currently backed by Lloyd’s of London.

Group 791
Customer Rating

Neptune Flood has a insurance carrier rating of 4 out of 5 stars based on our research.

Neptine now includes coverage for all NFIP product types. They are not Better Business Bureau accredited but have a BBB Rating of “A”.

Our carrier rating takes into account several factors about the insurer, our industry-experienced research, policyholder’s feedback, and other publicly available data. We also take into account the carrier’s financial stability, organizational structure, and history as well as their historical claims payout data to generate our comprehensive carrier profiles with a low to high rating of between 1 to 5 stars.

Financial Stability

Neptune Flood has an A.M. Best Credit Rating of “A or Excellent”, a Credit Rating scoring opinion of an insurer’s financial strength and ability to meet their ongoing insurance policy and contractual obligations.

They do not have a Financial Stability Rating from Demotech Inc. for their long-term stability. Financial Stability Ratings (FSRs) are a leading indicator of the financial stability of Property and Casualty insurers.

AM Best is an independent insurance rating agency that provides credit ratings and financial data products for the insurance industry. Demotech Inc. specializes in providing ratings and detailed financial analysis of regional and specialty insurers.