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
Carrier is a Florida-domiciled personal property insurer writing homeowners and related property lines exclusively in Florida through independent agents. All current detailed underwriting rules are maintained in a secure Agent Portal; public-facing pages direct agents to reference the portal underwriting guides and document library for binding/eligibility rules and forms. Preferred / target business - Florida residential property risks in standard market segments written on admitted paper: primary, secondary, and seasonal owner-occupied homes, plus select rental/dwelling, condo, and renters business. ([monarchnational.com](https://monarchnational.com/?utm_source=openai)) - Products currently marketed include HO-5 homeowners ("Homeowners Preferred" program), DP-1 dwelling fire, and other home-related forms; HO, dwelling, condo and renters are highlighted as focus products. ([monarchnational.com](https://monarchnational.com/documents/2025/10/viceroy-quick-reference-guide.pdf/?utm_source=openai)) - Newer or well-maintained homes are preferred; homes 30+ years generally require a favorable 4‑point inspection to qualify for preferred programs or certain coverages. ([monarchnational.com](https://monarchnational.com/documents/2025/10/viceroy-quick-reference-guide.pdf/?utm_source=openai)) Key eligibility & risk characteristics (publicly indicated) - Age of home: No absolute age cap is stated in public materials, but for HO-5 and DP-1, dwellings 30+ years typically must have acceptable 4‑point inspection results to be eligible. ([monarchnational.com](https://monarchnational.com/documents/2025/10/viceroy-quick-reference-guide.pdf/?utm_source=openai)) - Occupancy for HO-5 "Homeowners Preferred": primary, secondary, or seasonal owner-occupied only; no tenant-occupied or short-term rental occupancy within this preferred homeowners program. ([monarchnational.com](https://monarchnational.com/documents/2025/10/viceroy-quick-reference-guide.pdf/?utm_source=openai)) - DP-1 program allows owner or tenant occupancy for primary, seasonal, or secondary homes; vacant occupancy may be allowed only with specific endorsements and subject to underwriting review. ([monarchnational.com](https://monarchnational.com/documents/2025/10/viceroy-quick-reference-guide.pdf/?utm_source=openai)) - Renovated properties: an affidavit of total renovations must be completed and submitted to underwriting before binding if the agent is seeking to reset the effective "year of construction" based on major renovations; no reset is granted without underwriting approval. ([monarchnational.com](https://monarchnational.com/documents/2023/08/affidavit-of-total-renovations.pdf/?utm_source=openai)) Restricted or declined business (inferred from programs and public notes) - Non-owner-occupied risks are not eligible for the HO-5 Homeowners Preferred program and must be placed, if acceptable, in an appropriate dwelling/rental product; HO-5 is limited to owner-occupied exposures. ([monarchnational.com](https://monarchnational.com/documents/2025/10/viceroy-quick-reference-guide.pdf/?utm_source=openai)) - Vacant dwellings are not eligible on standard HO-5; any vacancy must be quoted, if allowed, under DP-1 with proper endorsement and is subject to stricter underwriting and likely surcharges. ([monarchnational.com](https://monarchnational.com/documents/2025/10/viceroy-quick-reference-guide.pdf/?utm_source=openai)) - Homes failing required inspections (4‑point or other) or not meeting internal guidelines (roof condition, systems, etc.) are subject to declination or nonrenewal; specific thresholds and disqualifying conditions are defined only in the secure underwriting guides. Geographic notes - Monarch National is licensed and operates as a domestic admitted insurer in Florida and positions itself specifically as a Florida homeowners, dwelling, condo and renters carrier; no indication that it writes outside Florida. ([monarchnational.com](https://monarchnational.com/?utm_source=openai)) - Citizens depopulation: Monarch participates in depopulating Citizens Property Insurance Corporation policies. For Citizens take‑outs assumed by Monarch, the company notes that it has removed "underwriting restrictions" as a courtesy on those assumed policies during the transfer; however, agents should assume that standard new-business underwriting rules will still apply when placing business with other carriers or for new placements. ([monarchnational.com](https://monarchnational.com/citizens-depop/?utm_source=openai)) Submission & documentation expectations (public) - Detailed underwriting and submission instructions (including required forms, inspection rules, and documentation) are only available on the secure Agent Portal. The public FAQ instructs agents to consult the underwriting guides and document library on the portal for binding and eligibility directions. ([monarchnational.com](https://monarchnational.com/faq/?utm_source=openai)) - For homes 30+ years (for HO-5 and DP-1), a current favorable 4‑point inspection is typically required prior to binding or policy issuance. - When relying on a major-renovation year instead of original year built, agents must obtain and submit the carrier’s Affidavit of Total Renovations to underwriting for approval prior to binding so that any age-of-home adjustments can be applied. ([monarchnational.com](https://monarchnational.com/documents/2023/08/affidavit-of-total-renovations.pdf/?utm_source=openai)) - Citizens depopulation policies are serviced via the Monarch agent portal using existing credentials for appointed agents; no additional appointment process is described for servicing assumed policies. ([monarchnational.com](https://monarchnational.com/citizens-depop/?utm_source=openai)) Broker / producer notes - Distribution is through a network of independent agents; the company emphasizes partnership with "esteemed policyholders and agent partners" and directs agents to its portal for all underwriting resources and servicing tools. ([monarchnational.com](https://monarchnational.com/?utm_source=openai)) - Agents already credentialed on Monarch’s portal will use the same login to service Citizens depopulation policies; new business appointment or portal access processes are not described publicly and are handled through internal agent relations. ([monarchnational.com](https://monarchnational.com/citizens-depop/?utm_source=openai)) Operational takeaway: treat Monarch National as a Florida-only personal lines property carrier with a preferred HO-5 homeowners program and DP-1 dwelling program, using standard Florida 4‑point inspection and age-of-home controls, with detailed eligibility, surcharges, and prohibitions accessible only via the agent portal guides. Ensure 4‑point inspections on homes 30+ years, use DP-1 for tenant or vacant exposures (with endorsements), submit renovation affidavits before binding when re-aging homes, and follow Citizens depop instructions for assumed policies.