SmartFlip

Simple, compliant, and cost-effective coverage whether you’re working on a single renovation or managing a multi-state investment portfolio.

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The SmartFlip Advantage

SmartFlip is purpose-built for real estate investors, brokers, and lenders in the fix & flip and vacant property space. With in-house underwriting expertise and access to multiple top-tier carriers, we deliver:

Fast 5-minute quote to bind

Competitive pricing through multiple top-rated carriers

Flexible coverage and terms to adapt to each deal

One partner. One solution. No unnecessary friction.

Insurance Built for How
Fix & Flip Deals Work

Many traditional carriers classify fix & flip or vacant properties as high risk, leading to limited options, rigid underwriting, and coverage gaps that can stall deals or jeopardize financing. Combine that with the fact that these deals move fast and there is a significant gap.

SmartFlip was built to bridge this gap, delivering coverage structured around:

Tight closing timelines

Renovation risk profiles

Lender-specific insurance requirements

Budget sensitivity across short-term projects

Lender-Compliant by Design

Our underwriting team works directly with lenders to align each policy to their specific loan terms, such as minimum coverage amounts, notification, and loss payee designation. What that means for you:

On-time closes with less rework
No last-minute compliance surprises
Meeting critical lender mandates

Built for the Entire Investor Ecosystem

Whether you’re placing a single deal or managing a growing portfolio, SmartFlip has you covered:

Fix & flip renovations

Vacant properties

Short-term and long-term investments

Portfolio-level coverage across multiple states

A Different Kind of MGA

We built Monarch Sky to excel where traditional markets retreat, delivering the right coverage for the most challenging real estate deals.

Our partners choose Monarch Sky because we offer:

Decisive Underwriting

Real-World Solutions

Clear Communication

Long-Term Partnership

Ready to Move Fast?

Skip the delays and rigid underwriting. SmartFlip was built to simplify insurance for fix & flip and vacant property investments.

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