Why You Should Buy Flood Insurance in a ‘Low-Risk’ Flood Zone

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5 min read · Jul 20, 2022

Are you one of the many Americans who believe they don’t need flood insurance because they don’t live in a high-risk flood zone? If so, you may want to reconsider. Here are 13 reasons why buying Neptune flood insurance is a good idea, even if you live in a low-risk area.

1. Quickly Recover from a Flooding Loss

Floods are one of the most destructive natural disasters. They can damage or destroy homes and businesses, leaving families and business owners struggling to rebuild. With flood insurance, you can quickly recover from a flood loss without dipping into your savings or taking out a loan.

2. Protect Your Home’s Value

Floods can damage your home and personal property but also reduce your home’s value. If you plan on selling your home, having insurance will help you make the necessary repairs to get top dollar for your home.

3. Avoid Costly Home Repairs

If your home is flooded and not insured, you’ll have to pay for all repairs out of pocket. Even if you have savings to cover the cost of repairs, it’s still cheaper to have insurance. Keep in mind that one inch of flood waters inside your home can causes an average of $25,000 in damage.

4. Replace Your Belongings After a Flood

Floods can severely destroy your personal belongings, such as furniture, clothing, and electronics. If you have flood insurance, your contents coverage in your policy could help you replace these items.

5. Avoid Financial Hardship After a Flood

If your home is flooded and you don’t have flood insurance, you may struggle to pay for everyday expenses, such as food and temporary housing. With a flood insurance policy with temporary living expenses coverage, you can rest assured that your claim can help cover those expenses related to your home so you can continue to cover your everyday expenses.

6. Get Help Quickly After a Flood

After a flood, you’ll need to start the claims process with your insurance company. If you don’t have insurance, you won’t be able to file a claim. Having a Neptune Flood policy will ensure that you get the assistance you need after a flood without waiting to see if the government will step in for emergency support.

7. Flooding Insurance Is Affordable

It’s a common misconception that flood insurance is expensive. In reality, insurance is very affordable, especially when you consider the potential cost of a flood loss. Moreover, Neptune can customize your coverage with optional coverages that can give you more protection.

8. The Risk of Flooding Is High

The causes of floods are many. Whether it’s heavy rain, a flash flood. No matter the cause of floods, the effect is always devastating, and if your home is not insured, you stand to lose a lot.

9. Avoid Costly Federal Assistance Loans

After a flood, the federal government may provide loans to help you repair or rebuild your home. However, these loans must be repaid with interest. You won’t need to take out a costly loan to rebuild your home if you have insurance.

10. Recover Your Business Losses Quickly

If your business is flooded and you don’t have insurance, you may have to close your doors for good. However, if you have a Neptune flood insurance cover, your policy will help you keep your doors open as you will have sufficient money to replace damaged products.

11. Protect Your Employees After a Flood

Employees are your most valuable asset. If your business is flooded and you don’t have flood insurance, your employees may be left without a job. However, Neptune’s Business Interruption coverage can help provide funds while your business is closed.

12. Regain Your Normal Lifestyle Quickly

You can only prepare so much for a flood. If your home is flooded and you don’t have insurance, it may be months before you can return to your everyday lifestyle. However, if you have insurance, you can quickly get back to your life as usual. Your policy will help pay for the losses and offer financial assistance to command comfortable living.

13. Peace of Mind

Finally, the most important reason to buy insurance is for peace of mind. Knowing that you’re protected from the financial devastation of a flood will help you sleep better at night.

If you’re still not convinced that you need insurance, keep in mind that floodwaters don’t discriminate. Floods can happen anywhere, to anyone. Please don’t wait until it’s too late. Protect your home and your family by buying flood insurance today.

Why Buy Neptune Flood Policy?

When it comes to flood insurance, Neptune is a clear choice. We offer comprehensive coverage at an affordable price, and our policies are backed by some of the best reinsurers in the world. Here are just a few reasons to buy a Neptune Flood policy cover:

1. Enjoy Comprehensive Coverage

Neptune offers both building and content coverage. This means that if your home is flooded, we’ll help you cover the cost of repairs as well as the cost of living elsewhere while your home is being repaired.

2. Get Affordable Protection

We understand that insurance is a necessity, not a luxury. That’s why we offer our policies at an affordable price.

3. Benefit from Our Strong Reinsurance Program

Neptune is backed by some of the world’s leading reinsurers, which means that you can be confident in our ability to pay claims.

4. Work with a Trusted Partner

Neptune has been providing insurance since 2018. We deeply understand the risks associated with floods and are committed to helping our policyholders recover from a loss.

5. Access Our Superior Claims Service

In the event of a flood, you can rely on Neptune to be there for you. We work with a team of experienced claims adjusters who will work with you to ensure that your claim is processed quickly and efficiently.

6. Experience Reliable Customer Service

At Neptune, we pride ourselves on providing outstanding customer service. Our team is available to answer your questions and help you select the right policy for your needs.

7. Get the Coverage You Need

In addition to standard property and contents coverage, Neptune offers additional optional coverages that can help protect you where an NFIP cannot. Coverages like temporary living expenses, replacement costs on contents, and unattached structures help provide you with more protection for your assets.

8. Receive a Quick Quote

Getting a quote from Neptune is quick and easy. We offer online quotes as well as the option to speak to one of our representatives.

9. Benefit from Our Industry-Leading Technology

Neptune is at the forefront of technology, and we’re using our cutting-edge software to make buying and managing insurance more straightforward than ever before.

Contact Us

The benefits of buying a flood insurance policy cannot be underestimated. If you’re looking to purchase comprehensive, affordable flood insurance, look no further than Neptune. Contact Neptune Flood today to learn about the flood policies or get a quote in under two minutes.