Personal Insurance Solutions

Personal Insurance Products

Tailored coverage for unique insurance needs in challenging areas. Protect what matters most to you.

High Value Home Insurance

Specialized coverage for high-value homes, ensuring your investment is fully protected against risks. We can add excess fire coverage to the California Fair Plan.

Short Term Rental Home Insurance

Insurance solutions for short-term rentals, providing peace of mind for property owners and guests. Make sure your policy is set up correctly. We can help.

Earthquake Insurance

Flood Insurance

Protect Your Home or Business

Neptune offers flood insurance for residential, commercial, and condominium buildings, featuring elevated limits and optional coverages to protect against flood damage.

We can easily provide coverage up to $4,000,000

We can provide limits up to $15 million TIV in California, Oregon and Washington; depending on the product, we include or have the ability to add increased swimming pool coverage and extended coverage for loss-of-use.

• Quick one-minute quoting process

• Eight deductible options ranging from 2.5% to 25%

• Stand-alone policy can be written alongside any admitted HO3/DP3/HO6 policy

Big Bear Lake Insurance made securing my high-value home insurance easy and stress-free. Highly recommend!

Sarah J.

★★★★★