Neptune Insurance in Texas.
The largest private flood carrier in the country. In much of the Houston area Neptune is now cheaper than NFIP with higher limits, shorter waiting periods, and quotes in under a minute.
- Private Flood
- Excess Flood
- Landlord Flood
Where Neptune is strong.
Every carrier has an appetite — the profiles they price most competitively. Here's where Neptune consistently wins for our Texas clients:
- Instant private flood quotes
- Higher limits than NFIP
- Shorter waiting periods
- Landlord & rental flood coverage
Why buy Neptune through Allstar National?
Buying directly from Neptune means you only ever see one price and one product set. Buying through Allstar National Insurance means you see Neptune's best offer next to 15+ other top-rated Texas carriers — Progressive, Nationwide, Travelers, Safeco, Tower Hill, Orchid, Neptune, and more — all in a single conversation.
If Neptune is the right fit, we place you there. If someone else is $500 cheaper with the same coverage, we tell you. That's the difference between an independent agent and a captive one — and it's why our average client saves $637 per year without giving up coverage.
You also get the same team every time you call. Same names. Same numbers. Real Houston-based people who help you at renewal, at claim time, and every year in between.
Ask about bundling private flood with your other policies — bundling Neptune with a home, auto, or umbrella policy from any of our carriers can save an additional 10–25%.
Neptune insurance questions, answered.
Does Allstar National sell Neptune insurance in Texas?
Yes. As an independent agency appointed with Neptune, we can quote and bind Neptune policies for Texas clients — usually the same day. We also compare Neptune against 15+ other top-rated carriers so you can see how their rate and coverage stack up.
Is Neptune a good insurance company?
Neptune is one of our regularly-shopped markets because they're consistently competitive on private flood and excess flood for the profiles we write. Whether they're the best fit for your specific home, vehicle, or business depends on your risk profile — that's why we compare them side-by-side with the rest of the market instead of pushing one brand.
Can I switch to Neptune without waiting for my renewal?
In most cases, yes. Texas carriers pro-rate refunds when you cancel mid-term, so if Neptune comes back cheaper we can bind the new policy immediately and cancel the old one — you'll get a refund for the unused portion.
What discounts does Neptune offer?
Neptune discounts typically include multi-policy bundling, paid-in-full, paperless, safe driver or protective-device credits, and loyalty. We'll layer every discount you qualify for automatically when we quote your policy.
How do I file a Neptune claim?
You can call Neptune's 24/7 claims line directly, or call us first at (713) 773-1900 — we help clients report claims, push back on lowball settlements, and get repairs paid fairly. Being an Allstar National client means you're never navigating a claim alone.
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