What tile best depicts your property?

single family home icon
Most Popular: One Home
Single family home, single unit in building of any size, or an entire detached 2-4 family building.
Entire residential condo building icon
Entire Residential Condo Building
RCBAP - Requires condo form of ownership.
Mixed use building icon
Mixed Use Building
Some residential and some commercial use in the same building.
Entire building.
Apartment icon
Apartment or Coop
An entire apartment building or coop (not condo form of ownership).
condo icon
Main Street Mercantile Commercial Buildings
An entire office, retail, restaurant, industrial, other non-residential building.
Hotel motel and inn icon
Hotels, Motels and Inns
Entire building.

Tell us more about your property

What kind of home do you have?

single family home icon
House
Single/Multi-Family, Townhome,
Attached Garage, Duplex, etc
second floor or higher icon
Multi-Floor Complex
Condo or Apartment
mobile home icon
Manufactured
Or Mobile Home

Which home looks most like yours?

home on slab icon
Home on Slab
home on crawl space icon
Home on
Crawl Space
home with basement icon
Home with Basement
home on stilts or pilings icon
Home On Stilts
or Pilings
home over garage icon
Home Entirely Over Garage

Which home looks most like yours?

home with finished lower level icon
Finished Ground
Floor Level
Living space, enclosed structure or items you need covered by flood insurance on ground level
home with unfinished lower level icon
Unfinished Ground
Floor Level
Nothing on ground level
needs coverage

Which home looks most like yours?

home with garage finished icon
Garage Finished
Living Space and/or items you need covered by flood insurance in the garage
home with garage unfinished icon
Garage Unfinished
Nothing needs coverage in the garage

Which condo location best describes yours?

first floor ground level icon
First Floor
Ground Level
first floor above garage icon
First Floor
Above Garage, Stilts or Pilings
second floor or higher icon
Second Floor
Or Higher

Structural Information

Take a look and modify anything if needed.

Any Prior Flood Losses?

None
One loss, but less than $25k
One loss for $25k or more
More than one loss

Tell us about yourself

Please enter your contact information so we can prepare your quote.
Primary Contact

Pick Your Coverage

We've recommended these options, you can modify below.
Please update your coverage options below.
An agent may be able to recommend building coverage as low as $250,000 which may substantially lower your premium. If you would like to talk to an agent call our team at at .
Building Coverage: $250,000
We are unable to estimate the replacement cost of your property. Please be sure to purchase enough property coverage.
$50,000
$4,000,000
Personal Property: $100,000
$100,000
$500,000
Please note that you will need to add additional coverage before purchasing this plan.Please adjust your coverages or contact us for help with your plan.
Your Premium
/yr
*taxes and fees not included
Quote: #

We offer these upgrades, take your pick:

Please click on the yes / no switch to turn an option on or off.
If there are additional coverage options, please adjust this accordingly.
An agent may be able to recommend building coverage as low as $250,000 which may substantially lower your premium. If you would like to talk to an agent call our team at at .
temporary living expenses icon
Temporary Living Expenses
With this coverage, you will be reimbursed 75% of your covered temporary living expense, with a maximum reimbursement of $7500.
N
Y
N
Please note that you will need to add additional coverage before purchasing this plan.Please adjust your coverages or contact us for help with your plan.
Your Premium
/yr
*taxes and fees not included
Quote: #

Any Prior Flood Losses?

None
One loss, but less than $25k
One loss for $25k or more
More than one loss

Structural Information

Take a look and modify anything if needed.

Tell us about yourself

Please enter your contact information so we can prepare your quote.
Primary Contact

Pick Your Coverage

We've recommended these options, you can modify below.
Please update your coverage options below.
Building Coverage: $250,000
Our minimum for Building coverage is $100,000 and our maximum is $2,000,000
$100,000
$4,000,000
Contents: $100,000
We offer up to $500,000 in contents coverage.
$0
$500,000
Please note that you will need to add additional coverage before purchasing this plan.Please adjust your coverages or contact us for help with your plan.
Your Premium
/yr
*taxes and fees not included
Quote: #

We offer these upgrades:

Please click on the yes / no switch to turn an option on or off.
If there are additional coverage options, please adjust this accordingly.
icon symbolizing a break
Business Interruption Coverage
Neptune's Business Interruption covers up to $25,000, providing $500 a day for up to 50 days after a 14-day waiting period. So, if your business operations are suspended for 64 days after a flooding event you would collect $25,000 in Business Interruption coverage. The NFIP offers no such optional coverage.
N
Y
N
Please note that you will need to add additional coverage before purchasing this plan.Please adjust your coverages or contact us for help with your plan.
Your Premium
/yr
*taxes and fees not included
Quote: #

Now let's get you checked out

Feel free to adjust your coverage before checkout
An agent may be able to recommend building coverage as low as $250,000 which may substantially lower your premium. If you would like to talk to an agent call our team at at .

Your Neptune Plan

Quote: #
Coverage Effective Date
Policyholder Name

Email
Phone Number
Building Owner Information
Company Name
Co-applicant Name

Co-applicant Phone Number
Co-applicant Email
Property Address

,

Mailing Address

,

Property Details
Prior Loss:
Occupancy:
Does this building have a basement?
Is this building at least 75% residential?
Home Type:
Condo Floor:
Year Built:
Number of Stories:
Number of Units:
Construction Type:
Property Type:
Flood Zone:
Square Feet:
Mortgage Info
Deductible
Coverage
Buildings
Personal Property
Personal Business Property
Business Interruption Coverage
Personal Property Replacement Cost
Temporary Living Expenses
Unattached Structures
Pool Repair and Refill
Basement Contents
Deductible Selection
Coverages Subtotal
Policy Fee
Taxes
Total Premium
Unfortunately, we are unable to insure homes with this loss history.
At Neptune, sometimes there are higher forces at work that prevent even us from protecting our customers.
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Unfortunately, we were not able to find your quote.
Please start a new quote or contact us for help with your existing quote
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Our records show that this policy has already been bound in our system.
Please view your policy in the Customer Portal or contact us if you need any help at [email protected]
Customer Portal
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Sorry, we are unable to insure manufactured or mobile homes.

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Analyzing Using Proprietary Technology
Determining Property Elevation
Calculating Lowest Rates
Running Mathematical Algorithm
Evaluating Your Flood Risks
Calculating Lowest Rates
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