Designed from the ground up and backed by the global reinsurance marketplace, Monomoy Insurance Group was created to meet the demand for Massachusetts coastal homeowners insurance and to serve the needs of underserved insurance markets.

The products available through Monomoy Insurance Group are backed by the Spinnaker Insurance Company, which maintains an A- Financial Strength rating from A.M. Best Company.The policies are 100% re-insured through the Lloyd’s re-insurance markets in London and covered by the State of Massachusetts State Guaranty Fund.

The greatest benefit of having the Monomoy Homeowners Insurance product is to those Cape Cod, Plymouth and other coastal area clients who currently are with the MA Fair Plan. Monomoy’s Homeowners product allows homeowners to purchase better coverage from a financially secure, admitted carrier, at a comparable price.

The homeowners insurance pricing from Monomoy is always the same or in most cases, better than the MA Fair Plan, but it’s ALWAYS better coverage.

What is A.M. Best and why is it important to a policy holder?

A.M. Best is the only global credit rating organization with a unique focus on the insurance industry. Best’s Ratings, which are issued through A.M. Best Rating Services, Inc., are a recognized indicator of insurer financial strength and creditworthiness.

Being financially sound is one of the most important elements of an insurance carrier. When the worst happens, you want to make sure you’re covered and with Monomoy Insurance Group, you are.

Can anyone get Monomoy’s Insurance Products?

Monomoy’s products are available exclusively through RogersGray. RogersGray was the leading agency behind the partnership with Spinnaker and the creation of Monomoy Insurance Group.

You can contact Monomoy Insurance Group here or you can contact RogersGray Insurance directly at 800.553.1801 or

Does everyone qualify?

No, just like any other carrier, there are underwriting guidelines that are specific to Monomoy. In addition to obtaining necessary information, Monomoy requires that a home inspection be completed.  There will also be an insurance score required to qualify, the insurance score is a soft hit and does not affect a homeowners credit score.

To get an indication of whether or not you will qualify, contact us here!