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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 4.7 stars from 89 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 9th among Insurance sites.

service
15
value
1
quality
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Indiana
1 review
0 helpful votes
Follow Jill J.
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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
0 helpful votes
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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
2 weeks 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.

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 weeks 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 weeks 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 weeks 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 weeks 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
1 month 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
2 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.

Florida
1 review
0 helpful votes
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Excellent customer services
February 9, 2026

The agent was extremely courteous, helpful in getting my issue resolved while I was on the phone, and very knowledgeable about his field & expertise. Thank you sir for your help!

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

Thank you so much, Kieron, for sharing your positive experience. We're delighted to hear our team could assist you promptly and with care—your satisfaction is our top priority. Looking forward to supporting you whenever you need us!

Florida
1 review
0 helpful votes
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Awesome service!
January 19, 2026

I wanted to take a moment to share a positive experience I had recently, thanks to the awesome customer service provided by Kelseigh. I needed to make some changes for an insured who required a flood policy to be in place before obtaining her homeowner's policy. Kelseigh had these changes done for me fast and efficiently.

Thank you, Kelseigh, for your outstanding customer service. Your efforts are greatly appreciated!

Date of experience: January 8, 2026
New Jersey
1 review
0 helpful votes
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Sigh of relief
January 18, 2026

After several phone calls to my general insurance agent following my husband's death, my policy still showed up as expired. After finally connecting with Eddie, who was the first to actually explain what had transpired, I could relax. I was so relieved to know this situation was handled and my home was protected. Tank you Eddie

Date of experience: January 8, 2026
Steve A. — Neptune Flood Rep
2 months ago

Thank you so much, Barbara, for sharing your experience and recognizing Eddie’s commitment to resolving the issue. Thank you for choosing Neptune.

Massachusetts
1 review
0 helpful votes
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Eddie very quickly made the changes and was clear about what docs he needed.

Date of experience: December 22, 2025
Florida
1 review
0 helpful votes
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Excellent Service
January 1, 2026

I worked with Nicole St. Williams for assistance in resetting my password and logging into the system. Nicole was efficient and had me back online in no time at all. Much thanks for a great job!

Date of experience: December 19, 2025
Virginia
1 review
0 helpful votes
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Always professional and prompt service
December 29, 2025

I have been a customer for years and they are always consistently professional and responsive. I highly recommend Neptune Flood!

Date of experience: November 18, 2025
Steve A. — Neptune Flood Rep
3 months ago

Claudia, thank you so much for your kind words and long-term trust. We’re proud to maintain the professional and responsive service you deserve and look forward to supporting you for years ahead! Your recommendation means a great deal to us.

Oregon
1 review
0 helpful votes
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Great support
December 17, 2025

Received very responsive and efficient customer support when I called with several recent inquiries.

Date of experience: December 7, 2025
Steve A. — Neptune Flood Rep
3 months ago

Thank you for the review!

Florida
1 review
0 helpful votes
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Great job today
November 29, 2025

Great experience. Had a question that was answered quickly and assisted with an email for
Follow up.

Date of experience: November 18, 2025
Steve A. — Neptune Flood Rep
4 months ago

Thank you, Jeff, for your kind words and for sharing your positive experience. We’re glad we could help answer your question promptly and assist with your follow-up. Please don’t hesitate to reach out anytime; we value your trust and look forward to supporting you in the future!

California
1 review
0 helpful votes
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Excellent Customer Service
November 27, 2025

Eddie Richardson was very professional and helpful.

Date of experience: November 17, 2025
Steve A. — Neptune Flood Rep
4 months ago

Thank you, Michele, for recognizing Eddie’s dedication to providing excellent service. We're committed to making every step easy and transparent.

California
1 review
0 helpful votes
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Thank You For An Outstanding Service!
November 14, 2025

I apply for a home loan and the bank requires extra documents to prove that my policy has all the requirements for the loan.
I contacted Neptune, and Mr. Tye Petrotta of Customer Success Office, helps fulfill all the paperwork in a short period of time. I appreciate his professionalism, experience, and kindness.
Respectfully,
Trung Bui

Date of experience: November 3, 2025
Steve A. — Neptune Flood Rep
4 months ago

Thank you so much for sharing your experience, Trung! We're thrilled to hear that Tye was able to assist you quickly and professionally with your paperwork—it's exactly the kind of service we strive to provide. If you ever need anything else, don’t hesitate to reach out!

Virginia
1 review
0 helpful votes
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Ian is the best!
November 10, 2025

Ian helped me sort out an old policy and a new policy in real time within minutes over the phone. Best customer experience over the phone I've had in a while. I know who to call if I need help!

Date of experience: October 31, 2025
Steve A. — Neptune Flood Rep
5 months ago

Jess, thank you for sharing such a fantastic experience! It's wonderful to hear Ian could assist you quickly and make everything seamless over the phone. We'll be here anytime you need support.

Alaska
1 review
0 helpful votes
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Very easy and responsive.
November 9, 2025

Was able to get a quote and purchase the insurance in a matter of minutes.

Date of experience: October 30, 2025
Steve A. — Neptune Flood Rep
5 months ago

Mary, thank you for your review!