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From the business

Neptune Flood is the country's largest provider of private flood insurance, offering an entirely digital quote and bind process. Neptune offers residential, commercial, and RCBAP primary and excess flood products in a 2-minute quote to bind process with greater coverage limits and additional optional coverages.


neptuneflood.com
St Petersburg, FL, United States
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Neptune Flood Reviews Summary

Neptune Flood has a rating of 4.8 stars from 104 reviews, indicating that most customers are generally satisfied with their purchases. Reviewers satisfied with Neptune Flood most frequently mention customer service and great experience. Neptune Flood ranks 7th among Insurance sites.

service
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value
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1 review
0 helpful votes
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Great Customer Service
June 5, 2026

Didn't see email timely of possible cancellation but MIA promptly helped me out updating my lender and policy!

Date of experience: May 26, 2026
Steve A. — Neptune Flood Rep
1 week ago

Kathy, thank you for choosing Neptune. We're glad to hear Mia was able to assist you. Our team is always here to answer any questions you may have.

1 review
0 helpful votes
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Professional and courteous
June 4, 2026

A pleasure to work with. Professional and courteous.

Date of experience: May 25, 2026
Steve A. — Neptune Flood Rep
1 week ago

Frank, thank you for choosing Neptune.

1 review
0 helpful votes
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Emory was AMAZING!
June 2, 2026

Emory Ari was AMAZING! He was very informative, professional and a pleasure to speak with. Made my decision to purchase flood insurance so easy.

Date of experience: May 22, 2026
Steve A. — Neptune Flood Rep
2 weeks ago

Thank you so much, Carrie, for your kind words about Emory. We truly appreciate your feedback and are glad to hear he made the flood insurance process easy and positive for you. We look forward to continuing to support your needs in the future.

1 review
0 helpful votes
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We had originally signed up for Auto Pay on our account last year, but we had also paid on line almost 2 months early. We didn't want to be charged twice so we sent an email to Customer Service. We were reassured that they took off the Auto Pay on our account. They also followed up with an email confirming that the Auto Pay was cancelled. Great Company to work with. Although we are hoping to never get flooded! :)

Date of experience: May 13, 2026
1 review
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Great Service
May 21, 2026

I was worried about payment due dates and was pleasantly surprised how quick the response was both with my Insurance Agent and Customer Service at Neptune.

Date of experience: May 11, 2026
Steve A. — Neptune Flood Rep
3 weeks ago

Jan, thank you so much for sharing your positive experience. We're glad the team could address your concerns promptly and make the process smooth for you. Your trust means a lot to us!

1 review
0 helpful votes
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Superior Service
May 3, 2026

Kyle gave superior service. He was professional and polite. Since I'm a claims adjuster, I understand insurance, but we worked together to make sure I had the appropriate coverages. I'm very happy with the level of service I was provided with. Thanks Kyle!

Date of experience: April 23, 2026
Steve A. — Neptune Flood Rep
1 month ago

Debbi, thank you for your kind words and for recognizing Kyle’s professionalism and attention to detail. We truly appreciate the opportunity to collaborate with you and are committed to providing exceptional support as your coverage needs evolve.

1 review
0 helpful votes
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Quick and Easy Process
May 1, 2026

I applied for Flood Insurance and was quoted and had my policy within 24 hours! Quick, easy and reliable service!

Date of experience: April 21, 2026
Steve A. — Neptune Flood Rep
1 month ago

Thank you so much, Jennifer, for sharing your experience! We're thrilled to hear the process was quick and easy for you, and we truly appreciate your kind words about our service. Your confidence means a lot to us!

Florida
1 review
0 helpful votes
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SAVED MONEY!
April 27, 2026

My insurance broker was charging me $240 in fees. I got online and bough the converge directly from Neptune.

Date of experience: April 17, 2026
Steve A. — Neptune Flood Rep
2 months ago

Thank you for sharing your experience, James. We appreciate hearing from satisfied customers like you. Thank you for choosing Neptune.

New York
1 review
0 helpful votes
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Simple and Easy Experience!
April 12, 2026

Very simple and easy experience with Nicole. Highly recommended!

Date of experience: March 31, 2026
Steve A. — Neptune Flood Rep
2 months ago

Thank you, Paul, for sharing your positive experience! We’re delighted to hear that the process with Nicole was simple and easy for you. Your recommendation means a lot to us as we strive to provide excellent service.

1 review
0 helpful votes
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Excellent service
April 5, 2026

Representative was professional, knowledgeable, and friendly, eager to answer any and all questions in a kind and patient manner. We need more people like him in offices and on phone calls.

Date of experience: March 26, 2026
Steve A. — Neptune Flood Rep
2 months ago

Thank you, Brenda, for your thoughtful and kind words. We're truly grateful that our representative could provide such a positive experience and focused service. We look forward to continuing to support you with the same care and professionalism.

Illinois
1 review
0 helpful votes
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Wonderful help
March 27, 2026

Best help in finding an inexpensive flood insurance coverage. So kind and knew exactly what I needed.

Date of experience: March 17, 2026
Steve A. — Neptune Flood Rep
3 months ago

Thank you so much, Cheryl, for your kind words and for trusting us to find the coverage that fits your needs and budget. It’s truly rewarding to hear our help made a positive difference for you. We look forward to being here anytime you need us.

Indiana
1 review
0 helpful votes
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Great service
March 27, 2026

We had decided to replace our current flood insurance policy with one from Neptune. The policies overlapped and there was confusion over potential duplicate payments. Lucas was very well informed and provided information we needed. We were very pleased with how quickly we received a response.

Date of experience: March 17, 2026
1 review
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Very through answers
March 16, 2026

I was very impressed by representative Amber Taylor's very through answers to my detailed and specific questions. She also responded quickly and clearly has a great customer service focus.

Date of experience: March 6, 2026
Steve A. — Neptune Flood Rep
3 months ago

Thank you for your reivew, Phillip! We're glad to hear Amber provided thorough responses and in a timely manner. Our team is always here to assist if you have any further questions.

1 review
0 helpful votes
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Payment of insurance
March 13, 2026

Emory did a fabulous job helping me out, answering all my questions and sending me what I requested.
Great experience.

Date of experience: March 3, 2026
Steve A. — Neptune Flood Rep
3 months ago

Thank you, Denise, for your kind words about Emory’s support. We're thrilled to hear that your questions were thoroughly addressed and that the requested information was provided promptly. Ensuring a smooth and positive experience like yours is our top priority, and we look forward to continuing to serve you with this level of care.

Texas
1 review
0 helpful votes
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Great customer service
March 6, 2026

Great customer service from the representative that helped me with my request. Two thumbs up. Thanks.

Date of experience: February 24, 2026
Steve A. — Neptune Flood Rep
3 months ago

Thank you so much, Jose! I’m glad our team could provide helpful support when you needed it. We’re here anytime you need us.

Massachusetts
1 review
0 helpful votes
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Great Customer Service
March 6, 2026

Had a small problem with escrow payment to Neptune. Answered my email immediately and
In a friendly, professional manner. Problem was taken care of.

Date of experience: February 24, 2026
Steve A. — Neptune Flood Rep
3 months ago

Deb, thank you so much for highlighting your experience—prompt, friendly support means a lot to us, and we're glad we could quickly resolve your concern. Your trust and feedback truly motivate the entire team to keep delivering such service. We appreciate you choosing us and look forward to supporting you again in the future!

Texas
1 review
0 helpful votes
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Great company. Great customer service!
February 28, 2026

I spoke with Kelseigh, who helped me with a policy application issue. She was super fast at the help, and friendly, too! Thank you!

Date of experience: February 18, 2026
Steve A. — Neptune Flood Rep
4 months ago

Thank you, Stacey, for your kind words and for recognizing Kelseigh’s assistance. We truly appreciate your feedback and look forward to continuing to provide you with dependable and friendly service.

Florida
1 review
0 helpful votes
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Superior service
February 27, 2026

I spoke with Eddie. What a great representative for the Neptune brand. He listens intently and responds with all the info accurately and efficiently. He is very knowledgeable and personable. He made, what I thought would be just an ordinary call - expecting nothing special, into a great all around delightful experience. I received all the right info from a very kind man. He definitely exceeded my expectations at all levels. Thank you Eddie!

Date of experience: February 17, 2026
Steve A. — Neptune Flood Rep
4 months ago

Thank you, Linda, for sharing your experience with Eddie. We’re proud that his dedication and knowledge made your call a positive and trustworthy interaction. Smiling colleagues like Eddie who exceed expectations inspire us every day to serve you better.

New York
1 review
0 helpful votes
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Fox Flood
February 16, 2026

It was super easy to contact the company agent, who was very helpful in choosing the policy options.

Date of experience: February 5, 2026
Steve A. — Neptune Flood Rep
4 months ago

Thank you, Adam, for sharing your positive experience with our team; we’re delighted to hear that working with our agent made selecting the right policy straightforward and stress-free. Your trust means a lot to us, and we're always here to support you with whatever you need.

Florida
1 review
0 helpful votes
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Great!
February 10, 2026

Great service by Eddie. God bless and give him a raise.

Date of experience: January 30, 2026
Steve A. — Neptune Flood Rep
4 months ago

Thank you, Eric, for your kind words and recognition of Eddie’s excellent service! We deeply appreciate your support and will make sure Eddie knows how much his efforts mean to you. Your feedback inspires us to keep delivering the best possible experience.