As an independent insurance agency, we carefully select the carriers that we believe are best for our customers.
Ashley Insurance Agency LLC is proud to announce the appointment with Neptune Flood Insurance, an affordable and enhanced flood insurance alternative to the National Flood Insurance Program (NFIP). Simply put, Neptune is faster, easier, and better than nearly all other flood insurance offerings in our area.
WHY FLOOD INSURANCE COVERAGE?
Floods are the #1 natural disaster in the U.S. and worldwide. Damage from floodwaters surpasses the losses caused by hurricanes, tornadoes, or earthquakes - as horrifying and powerful as those catastrophic events are.
25% of all flood claims are located outside of the "high risk" A and V zones.
Neptune offers coverages for rental properties and secondary homes without the $250 fee for the NFIP charges, allowing the lowest price for our clients.
The average flood claim is $46,000.
ABOUT NEPTUNE FLOOD INSURANCE
In 2016, Neptune Flood Insurance was created by merging technology, math algorithms, and insurance expertise into an innovative flood insurance product. The result was affordable coverage for thousands of Americans – delivered in an effortless, intuitive and on-demand platform. It’s backed by some of the largest insurance markets in the world.
WATERPROOF YOUR ASSETS FOR LESS
Neptune offers enhanced coverage that can save up to 25% of your premium, for exactly the same coverage as your NFIP policy, thanks to the use of advanced technology.
LOWER PRICE IS NOT THE ONLY BENEFIT
Neptune’s greater coverage options allow you to tailor your policy to cover more of your assets. These options, not available through the NFIP, include replacement cost, temporary living expense, basement contents, pool repair/refill and detached structures. Neptune also provides higher limits of coverage, up to $4,000,000 for your home and $500,000 for contents, compared to $250,000/$100,000 with the NFIP. Finally, there’s a reduced waiting period at Neptune – only 10 days vs. the 30-day waiting period under the NFIP. For a loan transaction, there’s no waiting period.
ALL POLICIES RATED "A" OR BETTER BY AM BEST
Neptune Flood Insurance is backed by some of the largest insurance markets in the world. They are significant players in the U.S. market and are rated “A” (Excellent) or better by A.M. Best. With this financial stability, Neptune feels confident in waterproofing people’s lives day in and day out with high limits and additional coverages.
Beginning in 2022, the Ashley Insurance team can quote and bind flood insurance coverage for you through Neptune in just a few minutes. You'll find that the coverages are less expensive and offer more than what you're used to seeing in a traditional flood insurance policy. We are excited to bring this product to our West Virginia clients.
Give us a call today or click here for a free quote. Neptune may be right for you.