About Monarch National Insurance Company
Monarch National Insurance Company was formed in 2015 as a Florida joint venture and is headquartered in Tallahassee, writing homeowners (HO-3), dwelling fire (DP-3), condo (HO-6), and renters (HO-4) coverage exclusively for Florida properties. Day-to-day underwriting and claims administration are handled by HP Managing Agency on the company's behalf. Monarch has received strong marks from independent financial-strength rating agencies. Coverage is sold through independent agents across the state.
Lines of Business
Monarch National Insurance Company quick facts
| Financial strength rating | A (Exceptional) Financial Stability Rating from Demotech, affirmed September 17, 2026. Source: Demotech, Rating Information Disclosure Form (opens in a new tab); Demotech, Financial Stability Rating definitions (opens in a new tab). Checked October 14, 2026. |
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| NAIC company code | 15715 (Monarch National Insurance Company) Source: Florida OIR, Examination Report of Monarch National Insurance Company as of Dec. 31, 2023 (opens in a new tab). Checked October 14, 2026. |
| Home state (domicile) | Florida. A Florida domestic insurer based in Tallahassee. Source: Florida OIR, Examination Report of Monarch National Insurance Company as of Dec. 31, 2023 (opens in a new tab). Checked October 14, 2026. |
| In Florida since | Incorporated on February 6, 2015; certificate of authority from the Florida Office of Insurance Regulation on March 19, 2015. Source: Florida OIR, Examination Report of Monarch National Insurance Company as of Dec. 31, 2023 (opens in a new tab). Checked October 14, 2026. |
| Citizens takeouts | Yes. The Florida Office of Insurance Regulation approved Monarch National to take policies out of Citizens in 2023 and 2024, most recently on November 15, 2024 (assumption date February 18, 2025). Source: Florida OIR, Take-Out Companies (opens in a new tab). Checked October 14, 2026. |
| How to report a claim | Online through Monarch's portal, by phone at 800-293-2532 (Monday to Friday, 9am to 5pm), or through your agent. Flood claims go to Monarch's flood partner, Taurus Flood. Source: Monarch National, Claims (opens in a new tab). Checked October 14, 2026. |
Ratings and Citizens takeout approvals change. Each fact links to the regulator, rating agency or carrier page we checked it on.
Getting a Monarch National Insurance Company quote in Florida
Tell us what you need covered and we'll quote Monarch National Insurance Company alongside our other carriers, then walk you through the differences in price and coverage. Monarch National Insurance Company makes the final underwriting and pricing decision, and coverage can't be bound or changed through this website.
Monarch National Insurance Company questions
Can Magnuson Insurance quote Monarch National Insurance Company?
Yes. Magnuson Insurance, an independent agency in Lakeland, Florida, can quote Monarch National Insurance Company for homeowners coverage and compare it side by side with the other carriers we work with. Monarch National Insurance Company makes the final underwriting and pricing decision, and coverage can't be bound or changed through this website.
What is Monarch National Insurance Company's claims phone number?
Report a claim to Monarch National Insurance Company at 800-293-2532. If you're a Magnuson Insurance customer, you can also call us at (863) 606-5147 during office hours (Monday to Friday, 9:00am to 4:30pm) and we'll help you report it and follow up.
How do I pay my Monarch National Insurance Company bill?
Monarch National Insurance Company bills its policyholders directly, so pay through Monarch National Insurance Company's online payment page (linked on this page) or the phone number on your bill. Magnuson Insurance's own Make a Payment page is only for invoices the agency sends you, such as broker fees.
Florida insurance guides
Magnuson Insurance is an independent agency licensed by the Florida Department of Financial Services (agency license L104700). Monarch National Insurance Company's name and logo are its trademarks. Claims numbers and links are Monarch National Insurance Company's own; your policy documents have the final word. Last updated October 7, 2026.