Monarch National Insurance

Monarch National is a Florida only home insurer in Tallahassee. FedNat started it in 2015. Hale Partnership funds have owned it since 2022. HP Managing runs it.

You can find it on our list of Florida home insurance companies. Its Florida company code is 26291 and its NAIC number is 15715.

Taking new policiesChecked Oct 19 Home, landlord, condo, renters and flood

Is Monarch National leaving Florida? No. Florida approved Monarch to take 20,000 policies out of Citizens in Feb 2025. Its site was quoting new Florida home policies as of Oct 2026. As of Oct 19, 2026. Source: monarchnational.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

132,452

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A (Exceptional)

From Demotech

Complaints

0.29

NAIC index, 2025. 1.00 is average.

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your Monarch National renewal go up?

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What's changed recently

  1. OIR consent order: $325,000 fine over Ian and Idalia claims

    Monarch agreed to a $325,000 penalty after an OIR exam. It found adjusters not properly appointed and late claim acknowledgments. It found missing estimate notices. Some claims were not paid or denied within 90 days.

  2. OIR lets Monarch take 20,000 policies from Citizens

    OIR approved Monarch to assume up to 20,000 personal residential multi peril policies from Citizens. Earlier approvals were 25,000 in Jan 2024, then 30,000 and 25,000 in Oct and Nov 2024.

  3. Hale Partnership buys control; Monarch takes 78,000 FedNat policies

    Hale funds paid $15 million for 60% of Monarch. Monarch took on about 78,000 FedNat Florida policies as of June 1, 2022 under OIR consent orders. FedNat Insurance Company was ordered liquidated Sept 27, 2022.

  4. Monarch National gets the OK to sell in Florida

    OIR issued a certificate of authority for homeowners insurance. It went to a new joint venture. FedNat, Crosswinds and TransRe formed it. Monarch began selling in the second quarter of 2015.

See every Monarch National update

Rate history

No rate filings tracked yet.

OIR sample yearly rate for its example home: $1,838 to $10,402 across 67 Florida counties (median $2,929).

The example is a $300,000 masonry home built in 2005. A sample rate is not a quote. Source: Florida Office of Insurance Regulation, CHOICES homeowners rate tool, example 6, read Oct 20, 2026.

Want your Monarch National renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

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11 years in Florida

In Florida since 2015. Has paid claims through 10 hurricanes.

201620182020202220242026 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Monarch National side by side

Monarch National side by side with State Farm and Universal Property
Monarch National State Farm Universal Property
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 132,452 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index 0.29 NAIC, 2025, nationwide, homeowners. 1.00 is average. 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A (Exceptional) Demotech A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2015 1934 1997

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Questions people ask about Monarch National

Is Monarch National leaving Florida?No.

Monarch survived the 2022 FedNat failure as a separate company and has grown since. OIR approved it to take 25,000 Citizens policies in January 2024 and 20,000 more in February 2025. Its site was taking quote requests for new Florida home policies as of October 2026.

Source: OIR Citizens takeout summaries dated 10/09/2024 and 7/16/2025; Monarch site read October 9, 2026

What is the Monarch National claims phone number?Call 1-800-293-2532, the same line Monarch uses for customer care.

The claims page lists Monday through Friday, 9 am to 5 pm, while the Storm Center page says the team is reachable 24/7. You can also report online through the claim portal linked on monarchnational.com. Flood claims go to Taurus Flood at 800-759-8656.

Source: Monarch National claims and contact pages, read October 9, 2026

Is Monarch National a good company?Public data only: Monarch's site shows a Demotech rating of A (Exceptional).

It has been licensed in Florida since March 2015. It reported $60.6 million in surplus at year end 2023. In August 2025 it agreed to a $325,000 OIR fine. The fine was over how it handled Hurricane Ian and Idalia claims.

Source: OIR exam as of 12/31/2023; Property Insurance Coverage Law blog, September 3, 2025

Who owns Monarch National?Investment funds run by Hale Partnership Capital Management.

It is a Charlotte based firm led by Steven Hale. Hale bought 60% from FedNat on June 30, 2022 for $15 million. It bought the rest in August 2023. An affiliate, HP Managing Agency, runs underwriting and claims as the MGA.

Source: Florida OIR financial examination report as of December 31, 2023

Is Monarch National admitted in Florida?Yes, it is.

Monarch National is a Florida domiciled, admitted insurer. OIR authorized it on March 19, 2015. It is authorized for homeowners multi peril, allied lines and fire. It is licensed only in Florida. It is an admitted home insurer. So it is covered by the Florida Insurance Guaranty Association.

Source: OIR consent order filed August 28, 2025

Is Monarch National the same as FedNat?Not anymore.

FedNat formed Monarch in 2015 as a subsidiary. On June 30, 2022 FedNat sold control to Hale Partnership funds. It also moved about 78,000 Florida policies to Monarch. FedNat Insurance Company was ordered into liquidation on Sept 27, 2022. That did not affect the policies Monarch had assumed.

Source: Florida DFS Division of Rehabilitation and Liquidation, FedNat Insurance Company page

Still deciding? Let us shop your Monarch National renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

Monarch National reviews and complaints: what the public data shows

Monarch National rating

A (Exceptional) from Demotech.

Complaints
0.29 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 2015 (11 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.