An insurance broker saves you time and money while keeping you insulated from the complexity of insurance. While most brokers only contact you when the unexpected occurs or if it’s time to renew, Monarch by Virtus goes above and beyond the basic role of a broker. We provide advisory services year-round and continuously assess your policies to ensure coverage fits your current life stage.

We have relationships with many national carriers that we use to get you the right policy at the right price.

Several economic factors and market conditions cause auto insurance rates to increase, including: rising repair and maintenance costs, inflation, supply shortages, and increased disaster-related claims. Working with Monarch by Virtus will ensure you are getting the best possible premium for your insurance without sacrificing coverage.

Large weather events and the rise of natural disasters drive higher homeowners insurance premiums. . Other market factors include high labor and construction costs, supply chain issues, and the cost of building materials.

File a claim if you experience significant damage or loss, such as from weather-related events, fire or theft, or if you need major repairs. For auto insurance, file a claim after an accident with substantial damage or injuries, theft, or vandalism occurs. If you are unsure, contacting your dedicated broker at Monarch by Virtus is always a good idea!