Homeowners Insurance Program from Monarch E&S Insurance
Monarch E&S Insurance offers a robust Homeowners Insurance Program designed for hard-to-place risks in California and Hawaii. Underwritten by top-rated carriers including Lloyds of London, Aspen Specialty (CA only), and Lexington, this non-admitted program provides flexible, comprehensive solutions for a wide range of residential exposures.
Ideal Accounts and Target Risks
This program is tailored for:
- Owners of single-family homes and multi-family dwellings (up to 4 units)
- Condominium unit owners
- Renters in need of personal property and liability protection
- Risks located in brush zones with adequate mitigation
- Clients requiring higher limits and unique coverage extensions
Examples of ideal placements include a homeowner in a California brush zone with at least 200 feet of brush clearance and an approved roof, or a landlord with a small multi-unit property needing additional liability protection across multiple locations.
Coverage Highlights
The Monarch E&S Homeowners Program includes a wide range of valuable coverages, such as:
- Extended replacement cost on dwellings
- All-risk coverage on personal property
- Back-up of sewers and drains
- Identity theft protection
- Workers compensation coverage
- Personal injury protection
- Liability extensions to secondary residences and rental units
In-house limits are available up to $7.5 million (total of all coverages), with higher limits considered upon approval.
Underwriting Guidelines and Minimum Premiums
Monarch requires a minimum of 200 feet of brush clearance from native vegetation and an approved roof type for properties in designated brush zones. The minimum premium for this program is $500.
Submissions are reviewed swiftly by Monarch’s experienced underwriting team, and coverage is written through trusted non-admitted markets to allow for greater flexibility in risk selection.
Available States
This program is currently available in:
Why Choose Monarch E&S
Monarch E&S is a respected Managing General Agency and Excess & Surplus Lines Broker known for responsive service, deep product knowledge, and competitive pricing in the E&S market. Their Homeowners Insurance Program delivers flexible solutions for non-standard residential risks that don't fit in the admitted market.
Agents and brokers working with Monarch can expect fast turnaround times, strong carrier relationships, and a commitment to giving you and your insureds the Royal Treatment.