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
Monomoy’s legacy website redirects to MSI (Millennial Specialty Insurance), which appears to be the current official platform for this carrier/program manager. For Home, MSI currently publishes multiple homeowners programs rather than a detailed public appetite guide. Preferred business includes single-family primary, secondary, and rental homes, especially underserved and catastrophe-exposed coastal properties along the Atlantic and Gulf coasts under the Coastal Homeowners program, and new-construction homes through builder/lender channels. Coastal Homeowners is marketed as admitted HO3 coverage in coastal states including Florida, Texas, and Massachusetts, with stated dwelling limits up to $1.5M varying by state. The E&S Homeowners program is broader geographically, marketed nationwide for homes across a wide range of values and catastrophe-prone areas; the page references homes up to $3M in value in narrative copy, while the availability/coverage section states property limits up to $10M and liability up to $1M, so producers should confirm current binding authority/valuation thresholds with MSI before quoting. Publicly stated eligibility for E&S includes single-family primary, secondary, or rental homes, with some age restrictions; E&S also notes ability to insure properties titled to an LLC or trust and optional flood coverage. New Construction Homeowners is positioned for builders, buyers, and lenders, including higher-risk communities, with locked-in pricing, flexibility with closing dates, no property inspection required, and loss-mitigation emphasis such as water shutoff valves. Geographic notes: Coastal Homeowners specifically targets Atlantic and Gulf coastal states and explicitly mentions FL, TX, and MA; E&S is stated as nationwide; New Construction says coverage is available in most states, including higher-risk areas. Submission/process expectations: MSI emphasizes an online agent portal with embedded third-party data/modeling, often producing quotes in minutes and, when referral is needed, underwriter turnaround usually within 24 hours. Broker/producer notes: MSI works through independent agents/select agency partners, promotes instant online bindable quotes on certain coverages, broad program offerings, and a fast approval process for partners. Consumer-facing FAQs state homeowners policies are obtained exclusively through select agency partners. Public pages reviewed do not provide a detailed list of specifically declined classes or hard underwriting knocks beyond limited clues such as some age restrictions and the need for separate flood/earthquake coverage; producers should treat unlisted declines/restrictions as subject to portal rules and underwriter review.