What Is Neptune Insurance?
Neptune Flood is an insurance company that only provides flood insurance. Using technology and different algorithms they created software that calculates and provides flood insurance throughout the United States.
Neptune Insurance Quick Facts:
- Year Neptune Insurance Started: 2016
- Insurance Provided By Neptune: Residential Flood Insurance & Commercial Flood Insurance
- Neptune Apps Rating: Web Based (No App Available)
- Locations Neptune Insurance Is Available In:
- Residential and Commercial Flood Insurance: United States
What Are The Pros & Cons Of Neptune Insurance?
Technology always has pros and cons. It can save time, but how well does it work? And the worst part about technology is when it doesn’t work. Determining the pros and cons can help determine where you go with insurance.
If you were to get quoted the same price for flood insurance from an app and from an insurance company, which would you choose? Probably the one with the better coverage as well as the better service. Let’s see the pros and cons of Neptune Flood Insurance’s online flood insurance auto quote.
The Pros Of Neptune Insurance
You can apparently get flood insurance in 2 minutes or less, but Neptune Flood insurance does come with specific benefits besides saving time. While they do provide the same flood insurance as an NFIP policy, they have additional coverage options available specifically through Neptune.
Essentially Neptune provides the same standard insurance, but if you want more than what is offered from standard flood insurance, you can get independent flood insurance. This is a different type of flood insurance. Because it is different you need to be aware of what it’s being covered. Since Neptune flood insurance is an online platform, you are responsible for understanding your policy.
Some Neptune Insurance reviews indicate that it makes flood insurance simple and direct without having to deal with people.
The Cons Of Neptune Insurance
Truly the negative of Neptune flood insurance is not having an agent. Flood insurance can be complicated because of flood zones and aligning it with your home insurance. If you have an insurance agent who manages your home insurance, then you should also have them manage your flood insurance. This way they can make sure there aren’t any gaps in coverage between your flood insurance and home insurance.
If your flood insurance is managed by Neptune, they will be unaware of any gaps with your home insurance. This will then create more work for you in managing your insurance in the event of a flood. Having one policy and one agent will make it that your agent will be able to help more since they know both coverages.
Neptune Insurance reviews from people that have experienced flooding are mixed. Some indicate that they did not fee they were correctly covered while others indicated it worked as they expected. A lot of the reason for the mixed reviews is homes, floods and insurance coverage varies. It is always a good idea to speak with someone who understands flood insurance so you can make sure you will have the flood insurance coverage you need.
Neptune flood insurance can provide the coverage you need, but after getting simplified coverage from Neptune, do you know it is correct? Is there a flood insurance agent at Neptune Insurance who can answer your questions or handle your claims at a moment’s notice? When flood damage occurs you want flood insurance agents that are fast.
Compare Neptune Insurance To Strickler Insurance
We understand you want to shop around for flood insurance. Contact us at Strickler Insurance to get a free quote on flood insurance. We are located in Lebanon Pennsylvania and have been providing coverage for over 160 years. We provide insurance in PA, MD, NY, NJ, DE, and VA. Contact us to compare flood insurance!
Learn about the pros and cons of other insurance apps.