I spoke with many agents..I admit, I ask a lot of questions so I understand what I am buying...Plus this was a confusing transition from Palomar to Neptune via USAA with changes in coverage and to tra... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Connor Gleason is Awesome! I emailed Neptune to issue a policy under special circumstances. I was concerned it would be a day or two before I would hear back, since that is the general response time... See more
Company replied
I was shocked to see an email stating that over 1400.00 would be deducted from one of my bank accounts for a policy that does not renew until May 25th. There is no reason for a company to take such pa... See more
Company replied
Nicole St Williams was FABULOUS and went above and beyond to help me. She responded so quickly to my question, and then kept going with me when I had follow-up questions and difficulty getting onto t... See more
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Company details
Written by the company
Neptune Flood is the largest private flood insurance company in the United States, offering an entirely digital quote-and-bind process. Neptune offers residential, commercial, and RCBAP products with a 2-minute quote-to-bind process, offering greater coverage limits and additional optional coverages. Flood insurance products are available in all 50 states and Washington, D.C. Neptune also offers Jumpstart parametric earthquake insurance in California, Oregon, and Washington for both residential and business customers. Neptune Flood specializes in providing flood insurance solutions for residential and commercial properties. By leveraging advanced technology, data analytics, and user-friendly online tools, Neptune Flood offers consumers and businesses a fast and efficient way to obtain flood insurance policies tailored to their needs. The company aims to simplify the insurance-buying process while offering competitive rates and comprehensive coverage options. Neptune Flood is backed by top-rated insurance carriers, ensuring that their customers receive reliable financial protection in the event of a flood. Their dedication to superior customer service, along with their cutting-edge approach to flood insurance, makes Neptune Flood a trusted and pioneering force in the industry.
Contact info
400 6th St S. Ste 2, 33701, Saint Petersburg, United States
- 727-202-4815
- support@neptuneflood.com
- neptuneflood.com
4.5
Excellent
299 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 85% of negative reviews
Typically replies within 24 hours
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Simple and straightforward process
Simple and straightforward process. Lots of good information on the difference between getting coverage through a private insurer or FEMA. 5 stars - would recommend.
6 February 2024
Reply from Neptune Flood
Thank you for the review, Mark!
Kyle Folland and Jacqueline
Kyle Folland and Jacqueline. Great communicators, personable and knowledgeable.
6 February 2024
Reply from Neptune Flood
Thank you for the review, James! Kyle and Jacqueline are great members of the Neptune team. We're happy to hear you had a great experience with them.
Flood Insurance
so far I haven't had to file a claim so I can't give 5 stars but overall policy information is straight forward and easy to understand.
5 February 2024
Reply from Neptune Flood
Thank you for the review, Nannette! We're here for you if you have any questions about your policy.
Very friendly great service
30 January 2024
Reply from Neptune Flood
Thank you for the review, Michelle!
Renewal came in mail timely manner.
5 February 2024
Reply from Neptune Flood
Thank you for the review, Tom. We always ensure our customers have adequate time to review their renewal policy and reach out to discuss any questions they have. Thanks for trusting Neptune to protect your property.
I need to get flood insurance and your…price is higher for me than anyone in your reviews.. why
I need to get flood insurance and your quote was $2326.80. In the reviews everyone was talking about prices under $1,000. I would like to know why. My house is just a 1 story masanary house.
6 February 2024
Unprompted review
Reply from Neptune Flood
Hi Galynn. Neptune rates each property individually, so prices are determined based on many data points and will vary. If you would like to discuss your quote, please contact support@neptuneflood.com or 727-202-4815.
good and easy to sign up for.
26 January 2024
Reply from Neptune Flood
Sarah, thanks for the review! Our team is always here to help if you have any questions about your policy.
Easy
Easy to work with. Gave me plenty of time and notifications for when payment was due.
30 January 2024
Reply from Neptune Flood
Thank you for the review, Pat!
Reply from Neptune Flood
Thank you for the review and for choosing Neptune, Wendell.
Poor service
17 January 2024
Reply from Neptune Flood
That's not what we like to hear, Simon. Please email support@neptuneflood.com or call us at 727-202-4815 to speak with someone from our Customer Success team.
Reply from Neptune Flood
Thank you for the review, Connie! Our team is available to assist with any questions you may have about your policy. Thank you for choosing Neptune.
Very helpful and knowledgeable
Very helpful and knowledgeable. Answered all my questions and explained in depth. Very easy to get my policy.
3 January 2024
Reply from Neptune Flood
Thank you for the review, Therese! We're always here if you have any additional questions about your policy.
Trevor Burgess and Kyle Folland were a…
Trevor Burgess and Kyle Folland were a pleasure to deal with - very informative, timely, and responsive. And the flood policy we purchased was seamless and provides exactly what we need.
29 December 2023
Reply from Neptune Flood
Riley, thank you for the review! We're happy to hear Trevor and Kyle were able to help you get the proper flood coverage.
Easy renewal at a fair price.
12 December 2023
Reply from Neptune Flood
Thank you for the review, Todd!
Reply from Neptune Flood
Thank you for the review, Clifford!
Price nearly doubled
10 December 2023
Reply from Neptune Flood
Hi Tim, thanks for your feedback. Please contact us at 727-202-4815 if you would like to review your policy with our team. Changes can be made up until the policy's inception date.
My premium doubled in one year
My premium doubled in one year. Doubled. No claims. How is that a great experience?
13 December 2023
Reply from Neptune Flood
Thank you for the feedback. Our team can review your policy for possible savings opportunities and will contact you directly.
We had Liberty Mutual insurance for…
We had Liberty Mutual insurance for everything. Our house had to have flood insurance so I had liberty mutual and they quoted Almost $4,000 a year and that’s above our home owner’s insurance that we were already paying. I asked our neighbor we they had it through and they recommended Neptune. I looked them up online and got a quote and it was below $700. I was shocked. I would recommend Neptune to everyone.
29 November 2023
Reply from Neptune Flood
Thank you for the review, Susan! We love to hear your neighbor recommended Neptune to you. Our team is always here if you have any questions.
Deceptive Fee Structure After 1-Year Renewal
Neptunes premium charges are deceptive. After the first year, you will be charged a $150 policy fee (which is odd, because there is no administrative cost for your auto-renewal). This fee is also considered to be ‘earned’ at the time of renewal; if you switch to a different provider without this fee, it will not be refunded as is required for the remaining premium. I don’t mind paying for quality services, but I mistrust companies that use disingenuous fee structures to pad their margins without delivering value in return.
11 December 2023
Reply from Neptune Flood
Hi Parker. Thank you for the feedback.
Easy communication with broker
10 December 2023
Reply from Neptune Flood
Thank you for the review, Kerry!
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