Monomoy Insurance Group
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
MSI (Monomoy/Millennial Specialty Insurance Group branding on the official site) currently publishes a Coastal Homeowners / admitted HO3 offering for underserved, catastrophe-exposed Atlantic and Gulf Coast risks written through independent agents. Preferred business is high-quality single-family homes used as primary, secondary, or rental dwellings, including some coastal and other higher-catastrophe locations. Published limits include up to $1.5M Coverage A (varies by state), liability up to $1M, a wide range of deductible options, and optional flood coverage. Current published availability on the product page is Massachusetts, Florida, and Texas; the agent knowledge-base admitted-homeowners quick reference pages specifically reference Massachusetts and Florida and note additional states coming soon. Eligibility notes specifically mention some age restrictions may apply and that homes titled in an LLC or trust can be considered. No detailed public decline list, occupancy exclusions, construction restrictions, protection-class rules, or binding limitations were verified on the official public pages; treat non-single-family risks and risks outside the listed occupancy/profile as unconfirmed and refer to underwriting. Submission/process guidance emphasizes independent-agent distribution, use of MSI's online portal, built-in third-party data/modeling for quotes often in minutes, and customized underwriter review typically within 24 hours when referral is needed. Broker/producer onboarding guidance indicates agencies can request access through the Agents & Brokers page, identify appointed states, and specify product interest in Coastal Homeowners Insurance; MSI highlights fast approval, broad program offerings, and instant online bindable quotes for certain coverages, but no product-specific producer checklist was publicly verified on the official site.