Monarch National
NAIC #15715 · WWW.MONARCHNATIONAL.COM
Monarch National presents itself as a Florida residential property insurer focused on homeowners, dwelling fire, condo, renters, and flood-related protection. The site emphasizes competitive premiums, discounts, customer support, claims responsiveness, and its relationship with HP Managing.
Florida Availability
Statewide, county-tiered Cov A minimums
Citizens Relationship
Active Takeout Participant
Property Types
Primary/owner-occupied: Yes; Premises Liability mandatory for seasonal/secondary/tenant occupancy; Rental: HO-3: No | HO-6/DP-3: Yes; STR endorsement on HO-3 & HO-6 (4-night min)
Unique Programs
2
Company Overview
Monarch National (MNIC) is listed in this directory using the legal/OIR carrier record MONARCH NATIONAL INSURANCE COMPANY, with Florida authorization status shown as ACTIVE and a Florida licensed date of 03/19/2015. For homeowners, the current research points to this profile as best suited for: Sinkhole on HO-3/DP-3 only; active military exempt from no-prior surcharge Florida availability is summarized as: Statewide, county-tiered Cov A minimums Key underwriting considerations in the current source data include roof guidance (Shingle/tile/flat >14 yrs need inspection; Metal >20 yrs), home-age guidance (No flat cap; >$1M submits unbound), electrical considerations, claims history, inspection requirements. Common eligibility concerns noted in the research include: Lapse/no-prior triggers 25% surcharge + mandatory water exclusion Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.
Best Fit Homeowner
- Sinkhole on HO-3/DP-3 only
- active military exempt from no-prior surcharge
Eligibility Challenges & Hard Stops
Will Decline
- Lapse/no-prior triggers 25% surcharge + mandatory water exclusion
Requires Underwriting Review
- Lapse/no-prior = 25% AOP surcharge + mandatory water exclusion + UW approval required
THE UNDERWRITING BOX
What Monarch National will and won’t write.
Citizens Connection
Active Takeout Participant
Approved for a Citizens commercial-lines takeout round in November 2025, alongside Manatee and Universal North America. Matches internal Citizens_Participation/Depopulation_Activity = Yes flags. (Source: FIRM, Oct 2025.)
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Find an AgentThis profile is intended as a general research reference. Carrier appetite, underwriting rules, eligibility, pricing, and documentation requirements can change. Final eligibility is determined by the insurance carrier at the time of application.
Information last verified August 2026. This carrier’s underwriting/rate manual on file was last revised: 02/05/2026 (QRG); 04/23/2026 (Full Guide). Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.