PERSONAL LINES

Homeowners Property Insurance

What is Homeowners Property Insurance?
Who Needs Homeowners Property Insurance?
Why Do Your Clients Need Homeowners Insurance?
Homeowners Property Insurance with Monarch E&S
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For homeowners, getting the right property insurance is a daunting task, especially if you live in an area susceptible to natural disaster. At Monarch, our team brings expertise in assessing the full range of risks and benefits associated with living in CAT exposed zones. From providing guidance on insurance policies tailored to extreme conditions to advising on property resilience improvements, we ensure our clients are fully equipped to protect their investments.

We write in all 50 states and know the specific needs of each region. Whether it’s the high brush and wildfire in Western States, the wind and hurricane exposures in Hawaii, Gulf & Southeast, or older and historic homes in the Northeast, we have you covered! Contact our experts to get started today.

What is 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.

Who Needs Homeowners Property Insurance?

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.

Why Do Your Clients Need Homeowners Insurance?

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.