Unscheduled Personal Property Insurance Floaters from Monarch E&S
Monarch E&S Insurance offers specialized Unscheduled Personal Property Insurance Floaters designed to meet the needs of clients with items that require flexible, broad coverage. Backed by Lloyd's of London and Hudson, this non-admitted program provides replacement cost coverage for personal property at named locations, with optional off-premises limits available.
This program includes full Earthquake coverage with a minimal deductible (flood is excluded) and can accommodate property stored off-site, used in home staging, or located in rental properties. Whether your client is storing contents during a move, staging homes for sale, or living in temporary housing, this product offers a smart solution for protecting valuable unscheduled items.
Ideal Accounts and Target Classes
This program is best suited for a range of personal property exposures that do not fall under traditional homeowners or renters policies. Target classes include:
- General household contents
- Property in storage units
- Staging contents for homes listed for sale
- Rental property contents
- Temporary housing personal property
You might have a client who stages homes for sale and needs protection for furnishings and décor temporarily placed in multiple residences. Or a renter storing valuable items offsite who requires replacement cost coverage beyond what their renters policy may provide.
Coverage Highlights and Advantages
- Replacement Cost Coverage – No depreciation applied to covered losses.
- Full Earthquake Coverage – Included with a minimal deductible.
- Flexible Off-Premises Limits – Extend coverage to storage units, staging locations, and more.
- Named Location Basis – Tailored to each specific risk location.
- Courtesy Filings – Available in states that allow out-of-state filings.
Underwriting Notes and Minimum Premium
This program is written on a non-admitted basis through trusted carriers and available exclusively through Monarch E&S. The minimum premium starts at $500, and underwriting is handled with flexibility and quick turnaround. Submissions should include details of the property, location, and intended use or storage context.
Territories and Availability
Monarch E&S is currently offering this program in the following states:
- Arizona (AZ)
- California (CA)
- Hawaii (HI)
- Nevada (NV)
- Texas (TX)
Courtesy filings may be accepted in other states where permitted.
Why Work With Monarch E&S?
As a leading Managing General Agency and Excess & Surplus Lines Broker, Monarch E&S offers strong relationships with top-tier carriers like Lloyd’s of London and Hudson. Their responsive underwriting team brings extensive experience in handling unique personal property exposures that often fall outside the box of standard markets. Agents benefit from personalized service, fast quotes, and access to niche solutions tailored to clients' real-world needs.
Contact Monarch E&S today to place your next Unscheduled Personal Property Insurance Floaters account.