Neptune Flood Reviews 278

TrustScore 4.5 out of 5

4.4

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Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

Nicole St. Williams processed my change in record time! I hadn't even finished my OWN notes on my submission yet and my request had been completed!

Company replied

Rated 1 out of 5 stars

HEY...Less than 1 star BTW,,,,,, So I went thru a lengthy conversation with Representative April, and finally received a quote, although it went to the wrong email address,, I specifically requeste... See more

Company replied

Rated 5 out of 5 stars

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

Company details

  1. Insurance Company
  2. Insurance Agency

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

4.4

Excellent

TrustScore 4.5 out of 5

278 reviews

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Replied to 100% of negative reviews

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Rated 5 out of 5 stars

Joost was exceptional at…

Joost was exceptional at explaining the coverage and detailing the quotes. He was helpful, patient and informative. I would offer more than 5 stars if possible.

11 April 2026
Unprompted review
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Reply from Neptune Flood

Thank you for the review, Kevin! Joost and the rest of the team here at Neptune are ready to answer any of your questions about your coverage. Thank you for choosing Neptune.

Rated 5 out of 5 stars

Nicole rocks!

Nicole understood my question and anticipated my follow-on questions. She was clear, concise, very responsive. Excellent customer service.

8 April 2026
Unprompted review
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Reply from Neptune Flood

Thank you for the review! Nicole and the rest of our customer success team are here to answer any questions you may have. Thank you for choosing Neptune.

Rated 5 out of 5 stars

Very easy with great follow up and the…

Very easy with great follow up and the policy was guaranteed the same day. Saved me almost $4000 over the government policy.

2 March 2026
Unprompted review
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Reply from Neptune Flood

Thank you for the review and for choosing Neptune! Neptune offers more coverage options and higher limits than the NFIP, allowing you to fully protect your property.

Rated 5 out of 5 stars

Straight forward

Straight forward automated way to purchase flood insurance. Hopefully, it will be as easy to file and get paid on a claim in the unlikely event I have flood damage.

6 April 2026
Unprompted review
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Reply from Neptune Flood

Rob, thank you for the review and for choosing Neptune! Our team is here if you have any additional questions. In the event of a claim, you can start that process 24/7 by chat on our website, email, or phone.

Rated 5 out of 5 stars

Connor Gleason made what I thought…

Connor Gleason made what I thought would be a slow, inefficient process into a smooth, straightforward experience. He made the process super easy for me while clearly explaining everything along the way.

3 April 2026
Unprompted review
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Reply from Neptune Flood

David, thank you for the review! Connor and the rest of our support team are fully licensed and available to discuss your policy and answer any questions you may have. Thank you for choosing Neptune.

Rated 5 out of 5 stars

Great

Great, fast service

3 April 2026
Unprompted review
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Reply from Neptune Flood

Noemi, thank you for the review!

Rated 5 out of 5 stars

Mia Piperato - 5 Starts

Mia Piperato is amazing asset to your team. She is kind, respectful, knowledgeable, and quick to help.

20 January 2026
Unprompted review
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Reply from Neptune Flood

Justin, thank you for the review! We're glad to hear Mia was able to help you, and we're happy to have her here at Neptune.

Rated 5 out of 5 stars

The insurance is affordable and gives…

The insurance is affordable and gives you peace of mind during the stormy season. Additionally, customer service is timely and employees are communicative and helpful. Highly recommend.

11 January 2026
Unprompted review
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Reply from Neptune Flood

Cheril, thank you for the review! Our team is always here if you have any questions or need assistance with your policy. Thank you for choosing Neptune.

Rated 1 out of 5 stars

They charged me for a cancelled policy…

They charged me for a cancelled policy and claim that since they us 3rd party billing they can not return the funds. Someone has over $600 in a policy premium for a policy that is cancelled and Neptune is refusing to assist getting my money back that should not have even charged in the first place. This happened over a month ago and I am still trying to get is resolved. Will never use again.

10 December 2025
Unprompted review
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Reply from Neptune Flood

Hello. Your payment was in the process of being refunded, but since you disputed the charge with your credit card issuer, the funds were frozen during the dispute process. Once that dispute is cleared, the funds will be refunded to your card. At this time, it is not within our control due to the dispute you submitted.

Rated 1 out of 5 stars

Unethical

This company is using other insurance companies to require their insurance and if you don't get the insurance they will still charge you. Very unethical!

23 December 2025
Unprompted review
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Reply from Neptune Flood

Hi Detrick. Neptune does not require anyone to obtain a policy. Additionally, you are not charged for a policy until you agree to the policy and provide payment information. There is no way for Neptune to collect payment for a policy if you did not provide payment information. If you need additional assistance, please contact us at support@neptuneflood.com.

Rated 5 out of 5 stars

Quick and Easy

Was easy to determine what kind of policy I needed, to get a proposal, several actually, and come back and pick up where I left off working towards policy purchase. Had one issue, post policy issue that was easily resolved by customer service.

2 December 2025
Unprompted review
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Reply from Neptune Flood

Dave, thank you for the review!

Rated 5 out of 5 stars

Nicole was absolutely stellar!

Nicole was absolutely stellar!! Not only was she super pleasant, she was informative and resolved my issue within minutes!! Great employee to represent Neptune

5 November 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review! We're glad to hear Nicole was able to assist you and answer your question quickly.

Rated 5 out of 5 stars

Kyle Folland was my Neptune…

Kyle Folland was my Neptune Representative & he was excellent ! He guided me through the whole process & he helped me cancel one of my policies because I actually double booked so I had 2 flood policies & he helped me & he initiated my refund on the canceled one since I had paid twice !

19 September 2025
Unprompted review
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Reply from Neptune Flood

Dan, thank you for the review! We're happy to hear Kyle was able to address your questions and resolve your concern.

Rated 1 out of 5 stars

Flood insurance is an optional product…

Flood insurance is an optional product for my location. I tried Neptune Flood and decided not to renew. The company has renewed the policy without payment and will not stop baggering me for payment, citing that it's "the law" and policy. I informed both my agent and Neptune Flood that I would not be renewing. The company states they will cancel the policy (that I did not sign for) after 30 days of "non payment". I don't appreciate being labeled as "non payment" and have a feeling others with outstanding credit histories would feel the same. If I ever need Flood insurance again, this treatment will definately affect who I decide to chose and hopefully help others be informed as well.

3 August 2025
Unprompted review
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Reply from Neptune Flood

As an existing Neptune policyholder, we send renewal policy information 75 days before your existing policy expiration to allow adequate time to review the new policy details. You are not obligated to continue flood coverage with Neptune. We send reminders about your policy renewal status so you don't lose coverage unintentionally.

Additionally, Neptune does not report to credit agencies. Any renewal policy that is not paid will be cancelled and will not affect your credit history.

Rated 5 out of 5 stars

Fast Online Service

I was able to get my flood insurance done in a brief website visit. my coverage is great. recommended

20 July 2025
Unprompted review
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Reply from Neptune Flood

Ray, thank you for the review. We focus on making the process easy and fast so you can get the flood coverage you need quickly!

Rated 5 out of 5 stars

I contacted the company due to a double…

I contacted the company due to a double payment for my flood insurance. Conner Gleason responded and after his research confirmed the double payment and told me I would receive the refund in 30 days. I received it in less than 2 weeks. I appreciate the quick response.

7 July 2025
Unprompted review
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Reply from Neptune Flood

Thank you for the review, Jane! We're happy to hear Connor was able to answer your question and explain the refund process.

Rated 1 out of 5 stars

This company is a ripoff

This company is a ripoff. They cancel your policy cause the don't ask all the appropriate questions and you have to tell them they missed something during application. Your honest with them and then they cancel cause they messed up and won't give you your money back. I have called a numerous of times and they keep saying it should not be much longer

26 June 2025
Unprompted review
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Reply from Neptune Flood

Ali, thank you for your feedback. For assistance, please contact our customer success team to review your policy details.

Rated 1 out of 5 stars

STAY CLEAR!!

Biggest scam of insurance companies out there. I would stay clear of this company . When they cancel you policy and hold your money not wanting to give it back to you. Bunch of crooks of an insurance company

8 July 2025
Unprompted review
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Reply from Neptune Flood

Hello Mike, thank you for the feedback. Due to bank processing, refunds can take up to 30 days, but they typically arrive sooner.

Rated 5 out of 5 stars

My success representative

My service representative, Nadia Vera, was knowledgeable and helpful!

2 July 2025
Unprompted review
Neptune Flood logo

Reply from Neptune Flood

Thank you for the review, Margaret! We're happy to hear Nadia was able to assist you.

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