The building
Review protection for the dwelling, including the building limit and deductible.
YOUR HOME. A SEPARATE LAYER OF PROTECTION.
Flood Insurance for Your Home
Flood insurance options nationwide, subject to property eligibility.
Get a quote for your home and review flood protection options online with Neptune.
Get My Flood Quote
Continue to Neptune to quote and buy online. Eligibility and policy terms apply.
Need help? Call UPIX at (908) 845-7722.No UPIX account or form required to start.
Your address. Your options.
Neptune evaluates the property. You choose from the options offered.Illustrative photo · not a UPIX client property
A CLEAR ONLINE NEXT STEP
From your address to your options.
Quote online with Neptune. UPIX can help if you need guidance.
Enter your property address
Enter your address and the property details requested by Neptune.
Review what is available
Compare limits, deductibles, options, premium and the effective date.
Complete your application
Complete the required application and payment if you choose to buy.
UNDERSTAND THE DIFFERENCE
Home insurance and flood insurance are not the same.
Standard homeowners policies generally exclude flood damage. A separate flood policy can help protect against covered flood losses. Review your home policy’s water exclusions.
Your belongings
Review contents protection separately, including the limit, valuation method and deductible.
Optional protection
Ask about available extras for your property. Basement contents, living expenses and rental income are not automatically included.
Get My Flood Quote
Continue to Neptune to quote and buy online. Eligibility and policy terms apply.
ADDRESS-LEVEL ELIGIBILITY
Availability is specific to your property.
Neptune evaluates availability using your property address and application. UPIX assistance is subject to product availability and state requirements.
Review the effective date before a closing, renewal or other deadline. See the questions below for coverage timing.
ANSWERS BEFORE YOU START
Flood insurance questions, answered.
The terms offered for your property matter more than a general description.
Call UPIXDoes my homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage. Review the policy’s water exclusions and consider flood protection separately.
How much does flood insurance cost?
The premium depends on your property, location, limits, deductibles and selected options. Request a quote to see the price available for your address.
Can I buy flood insurance online?
Eligible applicants can quote and buy in Neptune after completing the required application, review and payment. The purchase takes place on Neptune’s site.
Do I need to live in a high-risk flood zone?
Flooding can occur outside high-risk zones. You can explore options even if your lender does not require flood insurance; Neptune evaluates your property’s eligibility.
When does my coverage start?
Use the effective date shown in the issued policy. Check waiting periods or restrictions and written confirmation—clicking or submitting payment alone does not activate coverage.
Will the policy meet my mortgage requirements?
Ask your lender to review the proposed coverage and policy documents before relying on acceptance. Its requirements determine whether the policy is suitable.
What if Neptune does not accept my property?
Contact UPIX for help reviewing the next step. Assistance and possible alternatives depend on your situation, state requirements and available products.
SUPPORT, IF YOU WANT IT
A question should not stop your next step.
Ask about coverage, a mortgage deadline or an eligibility message. Our team can guide you, or you can continue directly to Neptune.
Ready to explore flood protection?
Get an online quote and choose from the options available for your property.
Get My Flood Quote
Continue to Neptune to quote and buy online. Eligibility and policy terms apply.
General information only, not a coverage determination. Neptune administers the online quote and purchase process; the insurer named in the issued policy provides the insurance. Availability and eligibility are subject to underwriting. Review the offered limits, deductibles, exclusions, premium, payment requirements and effective date. Coverage begins only as stated in the issued policy after the required steps and written confirmation; a quote, website visit, application or payment submission alone does not bind coverage. UPIX assistance is subject to product availability and state requirements.