Insurer guide
Monarch Sky Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote Monarch Sky. This page lists the Monarch Sky coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by Monarch Sky. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention Monarch Sky if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
Monarch Sky coverage and states available through our agency
The table shows each Monarch Sky coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Builders Risk | Business | TX, FL, GA |
| Property | Personal | TX, FL, GA |
| Vacant Property | Personal | TX, FL, GA |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
How to request a Monarch Sky quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the property, vehicle or business is located.
- A licensed agent reviews whether Monarch Sky is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Alchemy, Blitz, Starfish, Green Shield Risk, Insur-Fi, Palomar Specialty, Vacant Express, Delos.
Who Monarch Sky is
Monarch Sky calls itself an MGA for "complex and non-standard real estate risk." Its site uses the names Monarch Sky Insurance and Monarch Sky MGA. It lists an office at 12140 Wickchester Lane, Suite 600, in Houston.
We couldn't verify its legal entity or any parent company. It isn't the same as Monarch Sky, LLC, an aviation-services business in Las Vegas.
Monarch Sky markets to real estate investors, landlords and hard-money lenders. It sells through appointed independent agents and brokers and offers same-day quotes and binders.
Who issues Monarch Sky policies
We couldn't verify which insurers Monarch Sky uses. Its site refers only to "carrier partnerships." According to the First Connect carrier directory, its product is written on an excess and surplus (E&S) basis.
Since the carrier isn't named, you'll need to get it from your quote or declarations page. Then look up that insurer's rating yourself.
An E&S insurer generally isn't licensed in your state the same way an admitted insurer is, and the policy is placed through the surplus lines market. Ask which insurer and what rating sit behind your quote.
What Monarch Sky sells
According to the First Connect carrier directory, Monarch Sky's main product is SmartFlip. It's a Texas E&S product for fix-and-flip investors. It covers vacant or under-renovation homes with one to four units.
- Property coverage on a basic or special form.
- Optional builder's risk.
- General liability.
- Limits up to $1,000,000.
- Terms of 3 to 12 months.
Monarch Sky's site also lists property, general liability, lender-placed, flood, wind and hail, and auto coverage. We found no news about the company.
Monarch Sky also markets to hard-money lenders. If you're borrowing, ask whether the policy is in your name or the lender's.
Where Monarch Sky writes
Our sources don't agree on Monarch Sky's states:
- Its own site says "coverage in all 50 states."
- The First Connect carrier directory lists Texas only.
- A First Connect vacant-property page shows Florida, Georgia and Texas.
These may describe different products. SmartFlip is described as a Texas product. Ask before you assume a product is available in your state.
Why fix-and-flip properties need special coverage
A house that's empty or being renovated isn't a typical homeowners risk, and a standard policy may not fit it.
SmartFlip is aimed at investors who buy, renovate and resell homes with one to four units. It can combine property coverage, optional builder's risk and general liability in one place. Terms of 3 to 12 months fit a typical project timeline.
Because SmartFlip is written on an excess and surplus (E&S) basis, it may not follow all the same rules as an admitted policy. Ask your agent to explain how E&S coverage works in your state.
What to check before you buy Monarch Sky
- The issuing insurer. Get its name and check its rating.
- E&S status. Confirm whether the policy is surplus lines in your state.
- Your state. Sources conflict, so confirm the specific product is offered where your property is.
- Property status. Tell your agent if the home is vacant, under renovation or about to be rented. The form depends on it.
- Term length. Match the 3- to 12-month term to your project timeline.
- Lender requirements. If a lender funds your flip, confirm the policy meets its terms.
Sources for the sections above: Monarch Sky MGA: Insurance agencies and brokers; Monarch Sky MGA: home page; First Connect carrier directory: Monarch Sky (secondary).
Monarch Sky FAQs
Can Blake Insurance Group quote Monarch Sky?
Yes. Our agency currently has access to quote Monarch Sky for the coverage types and states listed on this page. Access can change, and Monarch Sky decides whether to offer a policy.
Which states can you quote Monarch Sky in?
Of the 24 states where we are licensed, we can currently quote Monarch Sky in TX, FL, GA. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare Monarch Sky with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. Monarch Sky decides eligibility, pricing and whether to issue a policy.
Trademarks. Monarch Sky and other company names are trademarks of their owners. This page is not published or endorsed by Monarch Sky.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check Monarch Sky and other options available to you.