Monarch National Insurance Company has filed its annual rate submission with the Florida Office of Insurance Regulation, proposing a 0.0% overall rate change for Homeowners policies and a –5.5% decrease for Condominium coverage.

The filing was submitted under Florida’s “file and use” provisions, with effective dates of December 12, 2025, for new business and January 26, 2026, for renewals.

Monarch engaged Pinnacle Actuarial Resources to conduct the actuarial analysis. The firm incorporated data from RMS North Atlantic Hurricane Models and Fast Track® loss trend data to evaluate historical experience from 2020–2024.

The changes primarily impact the Florida Homeowners Multi-Peril market, reflecting a modest rate relief for condo policyholders and continued stability for renters.