Monarch National Insurance Overview

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Worth Insurance’s Take: Monarch National offers well-structured home insurance coverage with strong financial backing and a genuine Florida-first approach. But it’s not for everyone. Limited availability and a few gaps in product breadth may give some shoppers pause.
Florida homeowners face a different set of risks than most—and Monarch National Insurance was built with those challenges in mind. Whether you're concerned about windstorms, rising floodwaters, or the wear-and-tear of subtropical life, Monarch’s tiered packages aim to deliver peace of mind with a local touch.

Company Overview
Florida-First Home Insurance, Backed by Strong Financials
Monarch National Insurance may not be a household name nationwide, but for Floridians, it's one to know. With a keen understanding of the state’s weather patterns and regulatory quirks, Monarch has zeroed in on what homeowners here actually need—without overcomplicating the process.
Highlights include:
- Bronze, Silver, and Gold coverage packages to suit a range of protection levels and budgets
- Storm-savvy protection for hurricanes, floods, and water damage
- A-rated by Demotech, signaling solid financial stability
- Online claims portal and 24/7 digital access for policyholders
Monarch’s policies cover owner-occupied homes, condos, rentals, and seasonal properties, and they’re built to weather Florida’s literal and regulatory storms. But don’t expect to bundle your auto insurance—this is a home-focused provider, full stop.
If you're overwhelmed by choices or just want some guidance, our team at Worth Insurance can walk you through your options. It’s what we’re here for.
Pros and Cons
Monarch National: What Works—and What Might Not
No insurance company is perfect, and Monarch National is no exception. That said, it does several things very well, especially for those living in the Sunshine State. Here’s a quick look at what stands out—and what may be deal-breakers for some.
Who it’s best for: Florida homeowners looking for reliable property insurance that addresses the state's real risks—not just generic, nationwide templates. Especially suitable for folks who want a simple quote process and strong, local-oriented coverage.
Financial Stability
A Solid Foundation: Monarch’s Financial Strength
In Florida’s turbulent insurance market, financial strength isn’t a luxury—it’s a necessity. Monarch National Insurance has maintained an “A” rating from Demotech, a respected financial analysis firm that focuses specifically on regional carriers like those operating in Florida.
Here’s how Monarch stacks up:
What that means for you:
You want a carrier that will still be standing after the next hurricane. Monarch’s growing surplus and premiums suggest a company that’s managing risk responsibly and scaling at a measured pace.
Products and Packages
What Does Monarch National Insurance Actually Cover?
Monarch offers four core policy types—HO3, HO4, HO6, and DP3—each customizable with a long list of endorsements. This flexibility is especially valuable in a state where no two homes face quite the same risks.
Here’s a quick breakdown of what’s on offer:
HO3: Homeowners Special
Best for: Owner-occupied single-family homes
This standard homeowners policy includes coverage for your structure, personal belongings, and liability. Add-ons are where Monarch really shines—allowing you to fine-tune your policy for Florida-specific threats.
Popular add-ons:
- Dog liability
- Equipment breakdown
- Identity theft resolution
- Ordinance or law upgrades
- Screen enclosure and carport buy-back
- Sinkhole damage
- Water backup and sump overflow
HO4: Contents Broad (Renters)
Best for: Tenants in apartments or rental homes
This policy protects your stuff—not the building itself—and includes liability protection. Optional coverages align closely with HO3, ensuring renters aren’t left exposed.
HO6: Unit-Owners (Condo Insurance)
Best for: Condo owners looking to protect personal belongings and interior structures
This policy includes key options like:
- Short-term rental to others
- Unit-owners rental coverage
- Ordinance or law protection
- Water backup and sump overflow
DP3: Dwelling Fire Special
Best for: Landlords and owners of seasonal or investment properties
Offers protection for the building and detached structures. Customize with:
- Short-term rental coverage (4-night minimum)
- Sinkhole protection
- Scheduled personal property
- Service line and equipment breakdown
Whether you’re safeguarding your primary residence or insuring an investment property, Monarch’s menu of optional coverages lets you tailor the policy to fit your lifestyle, location, and level of risk tolerance.
Pricing & Premiums
How Much Does Monarch Insurance Cost?
When it comes to homeowners insurance in Florida, cost is always a top concern—and Monarch National takes a flexible, tiered approach to pricing. With Bronze, Silver, and Gold coverage levels, you can choose a plan that fits your budget without sacrificing the protection you need.
Coverage Tiers:
- Bronze – Basic protection at the most affordable rate
- Silver – A balance of value and broader coverage
- Gold – Comprehensive protection with more bells and whistles
Each tier scales in price and benefits, making it easier for homeowners to find the right balance between cost and coverage. Not sure which fits best? That’s where Worth Insurance can step in and help you compare options.
Available Policy Types:
- HO-3: For homeowners
- HO-4: For renters
- HO-6: For condo owners
- DP-3: For landlords and seasonal property owners
What affects your premium?
- Location and age of home
- Roof condition and wind mitigation features
- Deductibles selected
- Coverage tier (Bronze, Silver, or Gold)
- Prior claims history
Want a quote tailored to your exact situation? Fill out a quick form with Worth Insurance and we’ll handle the comparison shopping for you.
Discounts and Credits
Ways to Save with Monarch National Insurance
Monarch doesn’t flood its marketing with discount hype—but if you qualify, there are meaningful savings on the table, especially if your home is well-built or updated to resist storms.
Here’s what to look for:
- Wind Mitigation Discounts: Homes with hurricane-resistant features—like impact windows, fortified roofs, or reinforced garage doors—can see major savings.
- New Construction Discount: Homes built to the latest Florida Building Code (FBC) tend to cost less to insure.
- Existing Home Upgrades: Even older homes (pre-2002) may qualify if they’ve been retrofitted with protective features.
- Citizens Insurance Switch Credit: If you’re moving from Citizens to Monarch, you may be eligible for loyalty-style discounts.
One caveat: Discount details aren’t always transparent during the quote process. Working with a broker like Worth Insurance can help uncover what you’re eligible for and ensure you’re not leaving money on the table.
Eligibility & Underwriting Requirements
What You’ll Need to Qualify for Coverage
Before you can lock in a policy with Monarch National, you'll need to meet a few basic criteria. This part isn’t just red tape—it’s how they ensure your coverage is priced fairly and tailored accurately.
What Monarch typically requires:
- Proof of homeownership – Deed, mortgage statement, or similar
- Property construction details – Year built, roofing material, structure type
- Safety features – Like wind mitigation upgrades, security systems, or shutters
- Recent home inspections – If available, especially for older homes
These details help underwriters determine risk and coverage eligibility. For homes with newer construction or completed upgrades (like fortified roofs or impact windows), this step could actually lead to better pricing.
Pro Tip: If you’ve made any improvements—new roof, updated plumbing, storm-resistant upgrades—make sure to mention them. They could tip the scale in your favor when it comes to discounts or eligibility.
Application Process
Getting Started Is Easier Than You’d Think
Applying for Monarch National Insurance is mostly digital and surprisingly painless. You won’t need to chase down an agent or spend hours on the phone.
Here’s how it works with Worth Insurance:
- Start online – Fill out our quote form with basic info about your home.
- We do the legwork – Our licensed agents compare packages and coverage tiers from Monarch (and others, if you’d like).
- You get options – We walk you through pricing, coverage, and endorsements that matter for your home and location.
- Choose and finalize – Once you’re ready, we help submit your application and handle the paperwork.
Need extra help along the way? Our team is just a phone call or email away, offering personalized support that most carriers simply don’t provide.
Customer Reviews & Service
What Are People Saying About Monarch National?
Monarch National Insurance receives a mix of feedback—pretty typical in Florida’s high-stakes insurance market. Some policyholders praise their responsive claims team and straightforward digital tools, while others express frustration over rate increases or policy changes. It’s a mixed bag, and worth unpacking.
What we’re hearing most often:
Positive
- Helpful customer service during claims
- Transparent online access to policy documents and billing
- Specialized Florida coverage that "makes sense"
Criticism
- Limited availability outside of Florida
- Occasional policy non-renewals or pricing shifts
- Some users felt information was lacking at signup
While Monarch handles support internally, Worth Insurance acts as an additional resource. We’re happy to help explain coverages, escalate issues, or simply offer a second opinion when you’re not sure what your next move should be.
Need help now?
- Call Monarch directly: 1-800-293-2532
- Or get support from Worth Insurance at 561-463-5814
- Prefer typing? Fill out our contact form and we’ll follow up fast
How to Make a Payment
Keeping Your Policy Active Is Easy
Paying your Monarch premium shouldn’t be a chore—and thankfully, it isn’t. They offer flexible payment options through a secure portal, so you can manage your policy with ease.
Payment steps:
- Go to Monarch National’s website and click on “Make a Payment.”
- Register (or log in) to your account using your policy number.
- Choose your payment method: debit card, credit card, or bank transfer.
- Confirm your details and submit.
Pro Tip: Set up automatic payments if you want one less thing to worry about during hurricane season.
How to File a Claim
The Claims Process, Simplified
Monarch knows that if you're filing a claim, you're likely not having a great day. That's why they've built a claims process that emphasizes speed, support, and minimal friction.
Here’s how to file:
- Contact Monarch ASAP – Call the claims line at 1-800-293-2532 or file online through their customer portal.
- Document everything – Take photos, save receipts, and jot down what happened. The more detail, the better.
- Provide incident info – Include the date, time, type of damage, and any emergency actions you took.
- Schedule inspection – An adjuster may visit your property, depending on the situation.
- Follow up as needed – Stay in touch through your portal or call customer service to check your claim’s progress.
Quick Tip: Want a second set of eyes on your claim? We’ve helped hundreds of homeowners interpret coverage and prepare documentation—reach out if you'd like our support.
Key Competitors
Who Else Is in the Running?
Florida’s home insurance market is fiercely competitive. Monarch National holds its own by focusing exclusively on the state’s needs—but it’s not the only game in town.
Here are some of Monarch’s closest competitors:
- TypTap Insurance – Known for its tech-driven underwriting and strong flood protection options. Like Monarch, it’s laser-focused on Florida but uses advanced analytics for quotes.
- Olympus Insurance – Offers high-value policies with broad endorsements. Often favored by owners of upscale homes or unique properties.
- Florida Peninsula Insurance – Actually part of the same corporate family as Monarch, but with slightly different product positioning and pricing strategies.
- People’s Trust Insurance – Offers an in-house contractor network, making post-claim repairs fast and predictable. A great fit for those who prefer turnkey service after a storm.
Each competitor brings something different to the table—some lean on technology, others on customer service or bundled offerings. Monarch, by contrast, appeals most to Florida homeowners who want straightforward, dependable protection with flexible options and no out-of-state distractions.
Still comparing? We’re happy to walk you through all your options.
Conclusion
Is Monarch National Insurance Right for You?
If you're a Florida homeowner looking for practical, tailored coverage with real hurricane-readiness, Monarch National deserves a close look. The company’s financial stability, customizable coverage options, and understanding of Florida’s insurance terrain make it a strong contender in a high-risk market.
That said, Monarch isn’t the best fit if you’re hoping to bundle auto and home or if you're planning to move out of state. But for many homeowners across the peninsula, it's a smart, focused choice.
Next step? Let Worth Insurance match you with the right coverage tier, apply any eligible discounts, and walk you through your quote—all in one quick consultation.
👉 Request a Free Quote or call us directly at 561-463-5814 to get started.
Frequently Asked Questions
Frequently Asked Questions
What is Monarch National Insurance Company?

Monarch National Insurance Company is a Florida-based homeowners insurance provider that specializes in offering coverage tailored to the unique risks of Florida, such as hurricanes, windstorms, and floods.
What types of coverage does Monarch National Insurance Company offer?

Monarch National offers a variety of homeowners insurance policies, including coverage for windstorms, hurricanes, fire, theft, liability, personal property, and additional living expenses.
Is Monarch National Insurance Company financially stable?

Yes, Monarch National Insurance Company is financially stable. It has a strong financial backing and is supported by experienced reinsurers, ensuring its ability to pay claims, even after significant disasters.
How do I get a quote from Monarch National Insurance Company?

You can get a quote from Monarch National Insurance Company by visiting their website or contacting an authorized agent. The process is straightforward, requiring basic information about your property to generate a customized quote.
Does Monarch National Insurance Company offer discounts?

Yes, Monarch National offers several discounts, including for installing safety features like storm shutters, maintaining a claims-free history, and bundling policies with other types of insurance.
How does Monarch National Insurance Company handle claims?

Monarch National has a dedicated claims process designed to assist policyholders efficiently, especially after a disaster. You can file a claim online or through their customer service, and they aim to resolve claims promptly.
Is Monarch National Insurance Company only available in Florida?

Yes, Monarch National Insurance Company currently operates exclusively in Florida, focusing on providing homeowners insurance that addresses the specific risks faced by residents of the state.
What makes Monarch National Insurance Company different from other insurers?

Monarch National Insurance stands out due to its deep understanding of the Florida market and its commitment to providing tailored coverage for the unique risks in the state. Their localized expertise and personalized service make them a strong choice for Florida homeowners.
Can I manage my Monarch National Insurance policy online?

Yes, Monarch National Insurance provides an online platform where you can manage your policy, make payments, and file claims, offering convenience and accessibility for policyholders.
Does Monarch National Insurance cover flood damage?

Flood damage is typically not included in standard homeowners policies, but Monarch National Insurance offers flood insurance as a separate policy or endorsement, providing essential protection for homes in flood-prone areas.
How does Monarch National Insurance determine its premiums?

Premiums are determined based on various factors, including the location of your home, the age and construction type of the property, your claims history, and the specific coverage options you select. Homes in higher-risk areas, like coastal regions, may have higher premiums.
What should I do if I need to update my Monarch National Insurance policy?

If you need to update your policy, you can contact your agent or use Monarch National’s online platform to make changes. This includes adjusting coverage limits, adding endorsements, or updating your personal information.
