Home → Aon Edge vs Neptune Flood
Aon Edge vs Neptune Flood: 2026 Comparison
Aon Edge (also marketed as Beyond Floods) and Neptune Flood are two of the top private flood insurers in the US. Both offer coverage above NFIP's $250K cap, but they differ significantly in features.
⚡ Quick Verdict
Choose Aon Edge for replacement cost on building AND contents and the most comprehensive basement coverage. Choose Neptune for fastest quotes, broader state availability, and stronger digital experience.
Side-by-Side Comparison
| Feature | Aon Edge | Neptune Flood |
|---|---|---|
| Max Building Coverage | $5 million | $4 million |
| Max Contents Coverage | $1 million | $500,000 |
| Replacement Cost (Building) | Yes | Yes |
| Replacement Cost (Contents) | Yes | No (actual cash value) |
| Waiting Period | 14 days | 10 days |
| Basement Coverage | Full (including contents) | Limited |
| Pool Refill | Included | Optional add-on |
| AM Best Rating | A (Excellent) | A (Excellent) |
| Quote Method | Through licensed agent | Direct online (2 min) |
| Available States | 44 states | All 50 + DC |
| Coverage in V-zones | Limited (case-by-case) | Yes (most areas) |
| Mobile App | No | Yes (full claims access) |
Which Should You Choose?
Choose Aon Edge if...
- ✓ You have a finished basement with valuable contents
- ✓ You want replacement cost on contents (not just actual cash value)
- ✓ Your home is worth $4M-$5M (need higher coverage cap)
- ✓ You have a pool you'd want refilled after flooding
- ✓ You prefer working with a licensed agent
- ✓ Your contents are worth more than $500K
Choose Neptune Flood if...
- ✓ You want a quote in 2 minutes online
- ✓ You live in Alaska, Hawaii, Kentucky (where Aon doesn't write)
- ✓ You want to manage your policy via mobile app
- ✓ Your home is in a V-zone where Aon may decline
- ✓ You're switching from NFIP and need fast coverage
- ✓ Your home is under $4M (max coverage you'll need)
Frequently Asked Questions
Aon Edge typically runs 10-15% higher premium than Neptune for equivalent coverage, primarily because Aon includes broader features like contents replacement cost and pool refill. For premium properties needing those features, Aon's price is often justified.
Yes. Aon Edge is the underwriting brand, while Beyond Floods is the consumer-facing marketing brand for many of their policies. Both refer to the same insurance product.
No. Aon Edge requires a licensed independent agent to write the policy. Neptune Flood is one of the few private flood insurers offering fully direct-to-consumer online policies.
Aon Edge wins for homes valued above $4M because of higher coverage limits. Aon also handles luxury home features (wine cellars, pool houses, finished basements) better than Neptune's standard policies.