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 lines carrier. Verified current producer-facing underwriting guidance is published in the MNIC Homeowners product guide effective 06/14/2026. The guide supports Homeowners and related personal residential business, with referenced new-business mitigation rules for HO-3, HO-4, HO-6, and DP-3. Preferred business appears to be standard Florida personal residential risks with documented prior coverage or valid new-purchase documentation, complete replacement cost estimation, and verifiable roof/plumbing/water-heater updates. Geographic focus is Florida. Submission requirements are detailed and operational: all premium and required documents must be received within 15 days of bind through the Homeowners/PTS portal, customer service email, underwriting email, or mail; use of MSB RCT Express/RCE is mandatory; new purchases require HUD/settlement statement/purchase agreement or similar; if prior coverage is shown on the application, upload the current or pending renewal declarations page; mid-term cancellation of prior coverage requires proof of cancellation or non-renewal from the prior insurer. Homes without proof of prior insurance, or with a lapse greater than 30 days, are subject to underwriter review and a 25% surcharge with underwriting approval. If quoting includes roof or plumbing updates, including water-heater updates, those updates must be validated by a 4-point inspection, roof certification, permit, contractor invoice/paid receipt, or equivalent. For mitigation credits and endorsements, Monarch requires the Florida OIR-B1-1802 Rev. (04/26) form for HO-3/HO-4/HO-6/DP-3; credits may be removed if the proper form is not used. If signed by a Certified Home Inspector, the inspector’s course completion certificate is required. The guide also calls out Florida statutory forms for Exclusion of Personal Property Coverage and Exclusion of Windstorm Coverage, with the required handwritten or typed statement per statute. Broker/producer notes: submit complete files promptly, expect inspection verification, and route underwriting issues to UWInfo@MonarchNational.com. Public site content also indicates the carrier markets Florida homeowners (HO-3) and personal residential products including home, dwelling, condo, and renters, but the product guide is the primary verified underwriting source.