Homeowners Property Insurance

Homeowner property insurance is coverage designed to protect homes and residential properties, while also offering coverage from large-scale natural disasters. Standard homeowners’ policies often limit coverage for high-risk perils like wildfires, earthquakes, and floods. Our policies can fill critical gaps, ensuring property owners aren’t left in ruins after a devastating event.

We specialize in underwriting of high-value homes in CAT (catastrophic) exposed areas, where properties are at risk due to natural disasters such as fires, floods, and wind events. With a deep understanding of the unique challenges these regions face, we cater to your insureds who seek protection in some of the most beautiful, yet vulnerable, locations.

If you own a home, you need property protection, particularly in catastrophe-prone regions like earthquake fault zones in California, floodplains in the Southeast, or wildfire corridors in the West. While homeowners in these regions need to be prepared, it’s also an important coverage for investors, landlords, and those with seasonal or vacation properties. If a property carries significant risk that standard insurers shy away from, Monarch steps in as the knight in shining armor.

As a broker, having access to robust property solutions helps you better serve high-risk clients and retain business in volatile markets. We equip you with fast-turnaround underwriting, elite carrier access, and a suite of online tools to streamline submissions.

When your client faces a firestorm or flood surge, Monarch will be by your side every step of the way. We are committed to offering comprehensive solutions that account for the complex insurance, rebuilding, and risk management. We work with clients to identify the best insurance options available with creativity and focus on coverages.