LinesFlood, Commercial property
Agent portalYes
Quote APIYes
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Homeowners | Flood | Most states | Primary residential flood built around the NFIP form, which can supplement or fully replace NFIP coverage. Building limit raised to $15M in June 2026 (previously $7M), and outdoor trees, shrubs and plants are covered up to $2,500. Residential was 88% of premium in force at year-end 2025 (Neptune press release, June 25, 2026; Neptune Form 10-K for FY2025). |
| Homeowners | Flood | Most states | Residential excess flood over a full NFIP policy: building $50K to $4M and contents $10K to $500K above NFIP limits, $0 deductible, 10-day waiting period with no wait on real estate closings, minimum earned premiums. Optional temporary living expenses, basement contents, unattached structures, pool repair and loss of rental income. Available in 49 states and DC (Neptune Excess Flood sheet, rev. 04/25). |
| Habitational | Commercial property | Most states | Condo associations (RCBAP): excess building up to $15M and contents up to $500K over the NFIP, plus optional pool repair and basement contents. Apartments: excess building up to $10M (per-unit minimums apply) and contents up to $500K. From June 2026, loss of rental income for apartments goes to $1M and RCBAP policies can lock in renewal pricing (Neptune Excess Flood sheet, rev. 04/25; Neptune press release, June 25, 2026). |
| Real estate | Commercial property | Most states | Commercial flood for business property owners. Excess over the NFIP's $500K: building $50K to $4M and contents $10K to $1M, with optional business interruption, replacement cost on building, pool repair and basement contents (Excess Flood sheet, rev. 04/25). Since June 2026 the building limit is $15M across primary and excess commercial policies and business interruption goes to $1M (Neptune press release, June 25, 2026). |
How to quote Neptune Flood
→Carrier portal. Quote directly in the Neptune Flood agent portal.
→Quote API. Available to platforms and agencies with a direct integration.
Sources
- Neptune: Neptune Raises Building Coverage Limits to $15 Million and Expands Flood Insurance Coverage Options (June 25, 2026)
- Neptune: Excess Flood with Optional Primary Coverages (rev. 04/25, hosted by Selective)
- Neptune Insurance Holdings Form 10-K for fiscal 2025 (SEC): products, distribution, Agent Portal and API
- Neptune Flood: Quick Quote API documentation (Postman)