Monarch National home insurance in Florida
NAIC #15715 · WWW.MONARCHNATIONAL.COM
This page summarizes publicly available information about Monarch National and general questions to prepare before you ask for a quote. For Monarch National, start with the roof age and type. Then check the pipes, panel, wiring, and home use. Review past claims too. Keep proof of each update or repair. Monarch National requirements can change and must be confirmed for the current form, address, and effective date. Only the carrier can determine eligibility. Ask an appointed agent to check the latest guide for your home.
Active & FL-Licensed Since 2015
NAIC #15715
FEIN not yet verifiedFlorida Availability
Statewide, county-tiered Cov A minimums
Citizens Relationship
Takeout activity reported
Property Types
Primary, seasonal, rental and short-term rental uses may need different forms or programs. No current public rule identified; confirm with the carrier or an appointed agent.
Unique Programs
2 identified
Where Monarch National Writes Coverage
Statewide, with county-tiered Coverage A minimums.
Availability can change by county and program. Confirm current openings with an agent.
Monarch National is listed under the Florida OIR record MONARCH NATIONAL INSURANCE COMPANY, with an active Florida license dating to March 2015. Availability is summarized as statewide, subject to county-tiered Coverage A minimums. Monarch has been publicly reported in Citizens takeout activity (approval for a commercial-lines round in November 2025; source: FIRM, Oct 2025). Our Citizens Insurance guide explains how takeout eligibility works.
Key Takeaways
General Eligibility Considerations
What to confirm with Monarch National or an appointed agent
This profile provides public company information and a general checklist of factors to discuss before requesting a quote from Monarch National. It does not reproduce the carrier’s complete underwriting guide or determine whether a specific property or applicant will qualify. Current requirements may vary by program, policy form, county, property condition, applicant, and effective date. Confirm every eligibility question with Monarch National or a Florida-licensed agent appointed with the carrier.
Public Information
What public materials state about Monarch National
The entries below are limited to statements that appear in a linked public carrier document or public page. Each entry identifies the source and its date. A public statement may have changed since its source date or may apply only to a particular form, program, or territory.
Roof
HO3 and DP3 | Homeowners and Dwelling Fire product guide
For HO3 and DP3, the guide provides an inspection route for shingle, flat and tile roofs older than 14 years, and metal roofs older than 20 years, with at least five years of useful life remaining. These are not unconditional maximum roof ages.
Public source: Monarch National, Homeowners and Dwelling Fire Product Guide (no longer on Monarch’s public website as of 2026-09-23) · guide dated 2026-06-14 (visible footer) · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Plumbing
HO3, HO6 and DP3 | Homeowners and Dwelling Fire product guide
The guide permits polybutylene plumbing only with a water-damage exclusion; a limited $10,000 buyback may be available. That endorsement is not full restoration of excluded water coverage.
Public source: Monarch National, Homeowners and Dwelling Fire Product Guide (no longer on Monarch’s public website as of 2026-09-23) · guide dated 2026-06-14 (visible footer) · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Occupancy
HO3 and HO6 | Homeowners
The guide allows seasonal and secondary residences, subject to its occupancy definitions, limits and rating. Confirm the appropriate classification before requesting a quote.
Public source: Monarch National, Homeowners and Dwelling Fire Product Guide (no longer on Monarch’s public website as of 2026-09-23) · guide dated 2026-06-14 (visible footer) · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Contact
Company contact; not an eligibility rule
Claims: (800) 293-2532, option 1. Customer service and underwriting: the same number, option 4. The guide lists claims availability as 24 hours.
Public source: Monarch National, Homeowners and Dwelling Fire Product Guide (no longer on Monarch’s public website as of 2026-09-23) · 2026 guide; contact page undated · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
GLOSSARY
Terms Used on This Page
Four-point inspection
A check of the roof, pipes, wiring, and heating and cooling systems.
Learn more →A1 opening protection
A carrier rating for approved protection on windows, doors, and other openings.
Decline
A carrier decision not to offer a particular program. Only the carrier can make this determination, and it can change with the program, address, and effective date.
Learn more →BEFORE YOU ASK FOR A QUOTE
Questions to Ask Before a Quote
- Does your agency work with this carrier and policy type?
- Is the carrier open for new business at this address?
- Does the roof meet the current age, type, and condition rules?
- Will the carrier ask for a four-point, wind, roof, or other inspection?
- Do the pipes, wiring, heating, cooling, and water heater meet the rules?
- How would Monarch National pay for roof damage? Would it use replacement cost, actual cash value, or a roof schedule?
- What are the hurricane and all-other-perils deductibles?
- Are there water, mold, animal, pool, or other limits?
- Which forms or records should you send before the quote?
PAPERWORK
Records to Gather
For a Monarch National review, bring the roof permit and the latest inspection. Keep bills for work on the roof, pipes, wires, or heating system. List old claims and how each repair was made. Send clear photos only when asked, and keep a copy of each file.
CITIZENS RESOURCE CENTER
Active Citizens Takeout Participant
Approved for a Citizens commercial-lines takeout round in November 2025, alongside Manatee and Universal North America. (Source: FIRM, Oct 2025.)
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What You Should Read Next
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Citizens Insurance
How Citizens works, the 20% rule, and depopulation explained.
Coverage Explained
Understand your policy, coverages, and deductibles.
Eligibility Guides
Roof age, plumbing, electrical and prior claims: how each factor affects which carriers will consider your home.
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FloridaHomeInsurances.com is an educational resource operated by a Florida-licensed insurance agency (see About). It is not an insurance carrier or underwriting decision-maker. Information on this site summarizes publicly available materials and general market considerations. General ranges are educational only; they are not a carrier’s complete underwriting guidelines, a quote, an offer, or a guarantee that a property or applicant will qualify. Availability, eligibility, pricing, coverage, forms, inspections, and documentation requirements can change and may vary by carrier, policy form, county, property, applicant, and effective date. Before relying on any figure or description, confirm the current requirement directly with the carrier or a Florida-licensed agent who is appointed with that carrier. The issued policy and the carrier’s current underwriting decision control.