Monarch National
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Monarch National is a Florida-focused personal property carrier. Public-facing product pages show Homeowners (HO-3) for owner-occupied homes, and the main site also lists DP-3, HO-6, and HO-4 products. The verified underwriting source located on the carrier site is a product guide PDF titled "MNIC-HO-product-Guide-Revision eff: 06142026," which indicates active new-business underwriting guidance for homeowners business. Operationally, Monarch requires all new business to be bound online through MonarchNational.com by authorized agents with binding authority only for risks that meet published underwriting guidelines. Applications must be fully completed and signed by both producer and insured, with insured initials in applicable sections. Agents must retain applications and supporting documents for at least 5 years for audit. For Coverage A of $1 million and above, supporting documents must be submitted. Payment in full or the required down payment must be collected at binding and submitted within 10 days; backdating is not allowed; agents may bind up to 30 days in advance. The guide excerpt also states the underwriting department accepts correspondence through the PTS portal attachment upload as the preferred method, with underwriting via UWInfo@MonarchNational.com and customer service via CSR@MonarchNational.com. Public pages confirm the carrier writes Florida homeowners and describes HO-3 as intended for owner-occupied homes, so preferred business is Florida personal residential property, especially owner-occupied HO-3 risks. Geographic note: the website repeatedly positions Monarch as Florida-only / Florida-focused. Restricted or declined classes are not fully visible from public pages because detailed eligibility and denial rules appear to sit inside the agent portal document library; the FAQ says quote denials may occur when a risk does not pass carrier analytics and directs agents to underwriting guides in the portal for coverage limitations and eligibility questions. Broker/producer notes available publicly: underwriting guides are housed in the agent portal document library; agents with eligibility questions should use those guides or call 1-800-293-2532 for underwriting; endorsement/request processing is typically 7-10 days; signed requests are required for reducing/removing coverage, and backdated cancellations over 30 days require supporting proof such as a dec page or proof of sale. Because the public website does not expose the full decline/restriction matrix, any class-specific prohibitions, age/value/construction restrictions, protection class limits, coastal rules, prior loss thresholds, or roof requirements should be treated as unverified from public sources and confirmed in the agent portal guide before quoting.