Neptune Flood Expands Coverage into Kentucky

Offering higher limits and broader coverage than the NFIP, The U.S.’s largest private flood insurance now protects residential, commercial, and condominium properties in 49 States.

(Image source: Neptune Flood.)

Neptune Flood (St. Petersburg, Fla.), the largest provider of private flood insurance in the United States, has announced its expansion into the state of Kentucky, making residential, commercial, and RCBAP flood products available in the Bluegrass State. Neptune Flood is now available in 49 states and Washington, D.C.

Trevor Burgess, President & CEO, Neptune.

Neptune offers higher limits and broader coverage options unavailable through the National Flood Insurance Program (NFIP), allowing property owners to protect their assets under one policy. Neptune’s optional coverages, such as temporary living expenses and business interruption, offer protection above and beyond what is available through the NFIP. With up to $4,000,000 in residential and commercial coverage and $10,000,000 in RCBAP coverage, Neptune describes itself as  the preferred alternative to the NFIP.

“We couldn’t be more excited to make coverage available in Kentucky,” comments Trevor Burgess, President & CEO, Neptune. “Neptune is now available in the contiguous United States and Hawaii, with apologies to Alaska, letting agents and customers protect property against flood risk. With less than 1 percent of homes in Kentucky having a current NFIP flood policy—just 18,000 homes—our expansion into the state couldn’t come sooner.”

Neptune reports that 175,000 customers have chosen its product, which is available via agents and online via

“According to Risk Factor by First Street Foundation, over 300,000 homes in Kentucky have a greater than 25 percent chance of flooding in the next 30 years,” comments Jean-Luc Eckstein, Chief Customer Officer, Neptune. “That’s hundreds of thousands of homes left unprotected that will benefit from Neptune. Our team is ready to onboard Kentucky agents and get customers the coverage they need.” 

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Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at or (503) 936-2803.

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