Flood coverage: you don’t need to live on the coast to be at risk

Whenever it rains, it can flood, regardless of your proximity to a body of water.

A standard flood insurance policy covers your home and contents when damage is caused by rising water. We work closely with Neptune Flood, who will help waterproof your assets by offering expanded, optional coverage that gives your family protection where other insurers may literally leave you “underwater.”

Getting a quote is easy, just enter the property address & answer 7 key questions. Click here

What’s covered?

  • Dwelling/Building, which is the insurance on the primary home/building on the insured property.
  • Personal Contents, which is the insurance that protects the possessions inside of your home.

Neptune Residential Flood offers coverage to protect you for items not covered in the NFIP (National Flood Insurance Program), such as:

  • The contents of your basement
  • Structures not attached to your home
    • Garage
    • Pool House
    • Shed
  • Grills & Pools

The coverage offered in a flood insurance policy may sound like the coverage you already have in your homeowners policy, but that’s not the case.  It’s different than your homeowners insurance because a typical homeowners policy specifically excludes water damage that results from rising water. For the purpose of insurance, “rising” is the key word to distinguish flood damage from water damage.

Neptune offers coverage for commercial buildings, too!

  • No Elevation Certificate, photos, or replacement cost documents needed.
  • Building coverage up to $4,000,000
  • Contents coverage up to $500,000
  • Option to add $25,000 in Business Interruption insurance

Have 2 minutes? Click here to get a quote!

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