Living space, enclosed structure or items you need covered by flood insurance on ground level
Unfinished Ground Floor Level
Nothing on ground level needs coverage
Which home looks most like yours?
Garage Finished
Living Space and/or items you need covered by flood insurance in the garage
Garage Unfinished
Nothing needs coverage in the garage
Which condo location best describes yours?
First Floor
Ground Level
First Floor
Above Garage, Stilts or Pilings
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.
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 .
Have questions? If you need to speak with an agent, call our team at (727) 217-5343.
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
$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
*includes taxes and fees
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 .
Have questions? If you need to speak with an agent, call our team at (727) 217-5343.
Replacement Cost - Personal Property
In the event of a covered loss, your policy covers your personal property (up to the amount you selected for personal property coverage) with an adjustment for actual cash value (depreciation). If you would like your claim settled for the replacement cost of the items at the time of the loss, without depreciation, select this extra protection.
N
Y
N
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
INCLUDED!
Unattached Structures
Do you have a detached garage, shed or in-law apartment? Select this coverage and the value needed to provide extra protection for buildings other than your main residence.
N
Y
N
Coverage: $25,000
$1,000
$50,000
Pool Repair & Fill
Have a pool? The standard policy doesn’t cover the costs associated with pool repair and refill. You may want to select this coverage if you have a pool.
N
Y
N
Coverage: $5,000
$1,000
$10,000
Basement Contents
Protect your personal property located in the basement. The standard policy does not provide coverage for basement contents, so if you have a basement, this extra coverage may be a valuable addition to protect your assets.
N
Y
N
Coverage: $5,000
$1,000
$10,000
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
*includes taxes and fees
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.
Pick Your Coverage
We've recommended these options, you can modify below.
Please update your coverage options below.
Have questions? If you need to speak with an agent, call our team at (727) 217-5343.
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
*includes taxes and fees
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.
Have questions? If you need to speak with an agent, call our team at (727) 217-5343.
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
*includes taxes and fees
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 .
Have questions? If you need to speak with an agent, call our team at (727) 217-5343.
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
Your Premium
/yr
*includes taxes and fees
This option is checked if you’re buying a home and the mortgage company is making the premium payment.
By clicking this button, you’re creating a policy with Neptune for payment
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.
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]
The Neptune team will be in touch shortly to help you bind a flood insurance policy for this property. You can email us at [email protected] for immediate assistance (please reference the quote number noted below).
Quote: #
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Calculating Lowest Rates
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Evaluating Your Flood Risks
Calculating Lowest Rates
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