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Our Companies

Insurance Plans That Make a Perfect Fit.

We Offer a Range of Products Right for Your Needs.

At FedNat, you have options. No one customer is the same, which is why we offer a variety of products to ensure you have the policies, pricing and service that best fit your needs. Regardless of the policy you select or the FedNat company it falls under, you will receive fair, fast and personal service. Every time.

FedNat Insurance Company underwrites homeowners multi-peril (“homeowners”), federal flood and various other lines of insurance in Florida. FedNat also underwrites homeowners and dwelling fire policies in Alabama, Louisiana, South Carolina, Mississippi and Texas through its partnership with SageSure Insurance Managers. FedNat affiliated companies are licensed and have the facilities to market and underwrite other insurance carriers’ lines of business, as well as to process and adjust claims for third-party insurance carriers.

Monarch National is a wholly owned Florida Property Insurance company managed by the FedNat team of insurance experts. We are committed to providing fair pricing, exceptional customer service; and fast, personalized claims handling. Florida homeowners can benefit from our HO-3 and HO-6 Multi-Peril Insurance solutions.

Our third wholly owned property carrier, Maison Insurance Company, was formed in 2012 and received its Certificate of Authority from the Louisiana Department of Insurance in November 2012. Maison currently writes Homeowners, Manufactured Homes and Dwelling Fire in Louisiana, Texas and Florida. Maison is large enough to provide you with the protection and financial stability that you need, but still small enough to personalize each customer experience.

Demotech A Rating

More Coverage, Better Protection. With Reinsurance.

FedNat Insurance Company, Maison Insurance Company, and Monarch National Insurance Company

FedNat Holding Company “FNHC” owns three insurance companies which include: FedNat Insurance Company (“FNIC,” NAIC #10790), Maison Insurance Company (“MIC,” NAIC #14568) and, Monarch National Insurance Company (“MNIC,” NAIC #15715) and purchases a combined reinsurance program to protect all three companies from catastrophic events including hurricanes. All three insurance carriers are “admitted” companies and licensed to write homeowners insurance in all or some of the states of Florida, Louisiana, Texas, South Carolina, Alabama, Georgia, and Mississippi.

The combined entity, FNIC, MIC and MNIC, has a reinsurance program that affords approximately $1.3 billion in aggregate private reinsurance for coverage in all states in which the Company operates, of which up to approximately $650 million is limited to any one event, plus an additional $650 million of reinsurance provided by the Florida Hurricane Catastrophe Fund (“FHCF”), that responds on both a per occurrence and in the aggregate basis, and which coverage is exclusive to the state of Florida. The Company will retain 100% of the first $25 million retention plus up to an additional $6 million in retention by retaining an approximate 8.6% co-participation of the next $70 million of limit after the first $25 million. This reinsurance program, at a cost of roughly $276 million, is designed to reimburse FNIC, MIC and MNIC for losses incurred resulting from one or more catastrophic events, including hurricanes. FNIC purchases a separate underlying reinsurance agreement to cover second event losses (hurricane only) for $16 million excess of $2 million for non-Florida risks and a second and third event layer that attaches at approximately $10 million per event on a combined basis for FNIC Florida business, MIC Florida business and MNIC. Reinsurance is purchased to protect existing capital and reduce earnings volatility while significantly decreasing financial exposure to hurricanes and other catastrophic events.

FNIC, MIC and MNIC each have a Financial Stability Rating of “A” which is “Exceptional” with Demotech, Inc.

Annual reinsurance agreements are effective July 1, 2020 through June 30, 2021

AXIS Specialty LimitedAA+SCOR Reinsurance CompanyA+AA-Swiss Reinsurance America CorporationA+AA-The Cincinnati Insurance CompanyA+A+

Reinsurance Company A.M. Best S&P
Allianz Risk Transfer A+ AA-
Allied World Assurance Company, Ltd A A-
American Agricultural Insurance Company A NR
American Standard Insurance Company of Wisconsin A NR
Arch Reinsurance Limited A+ A+
Ariel Re Bda Limited/Argo Re Ltd. A- NR
Ascot Bermuda Limited A NR
AXIS Specialty Limited A A+
BGS Services (Bermuda) Limited/Lloyd’s Syndicate 2987 A A+
Chubb Tempest Reinsurance Ltd. A++ AA
Convex Insurance UK Limited A- A-
Convex Re Limited A- A-
DaVinci Reinsurance Ltd. A A+
Endurance Specialty Insurance Ltd. A+ A+
Everest Reinsurance Company A+ A+
Fidelis Insurance Bermuda Limited A A-
Fidelis Underwriting Limited A A-
Fubon Insurance Co., Ltd. A A-
General Reinsurance Corporation A++ AA+
Hamilton Re, Ltd. A- NR
Hannover Rueck SE A+ AA-
Humboldt Re Limited A- NR
K2 CAT Limited/Cathay Century Insurance Company Limited NR A-
K2 CAT Limited/Peak Reinsurance Company Limited A- NR
K2 CAT Limited/Taiping Reinsurance Company Limited A A
Kelvin Re Limited A- NR
Lansforsakringar Sak Forsakringsaktiebolag (publ) NR A
Liberty Specialty Markets Europe Two S.a.r.l (Paris)/Lloyd’s Syndicate 4472 A A+
Lloyd’s of London (multiple syndicates) A A+
Lumen Re Ltd. A NR
MS Amlin AG, Switzerland, Bermuda Branch A A
Munich Reinsurance America, Inc. A+ AA-
National Liability and Fire Insurance Company A++ AA+
Nautical Management Ltd on behalf of Syndicate 2357 A A+
Odyssey Reinsurance Company A A-
Partner Reinsurance Company Limited A+ A+
Peak Reinsurance Company Ltd A- NR
Renaissance Reinsurance Ltd. A+ A+
Satec Srl/New Reinsurance Company Ltd. A+ AA-
SCOR Reinsurance Company A+ AA-
Swiss Reinsurance America Corporation A+ AA-
The Cincinnati Insurance Company A+ A+
Third Point Reinsurance (USA) Ltd. A- NR
Transatlantic Reinsurance Company A+ A+
XL Bermuda Ltd A+ AA-


*Collateralized means the reinsurance company has already pledged the full resources that FedNat Insurance and Monarch National may need in the event of a claim.