Orchid P&C Knowledge Center: For Homeowners

Flood Insurance

FEMA Unveils First Update to National Flood Insurance Program in Half-Century

When the water swirls around her neighborhood, which is becoming more and more routine during high tide, Deb Bourbeau feels like she owns oceanfront property. The truth is her weekend home looks out over a tidal marsh in the west...


Watercraft insurance for high-net-worth indivduals.

Without Watercraft Insurance, High Net Worth Sea-goers Risk Missing the Boat

To celebrate the Buccaneers’ Super Bowl victory in February, Tampa officials hosted a festive boat parade along the city’s Riverwalk for fans and players. One celebrant stood out among the others. Super Bowl LV Most Valuable player Tom Brady showed...


Few coastal counties in the United States were spared the wrath of hurricane season.

From Texas to Massachusetts, Hurricane Season Spares Few Coastal Counties

Orchid Insurance offers windstorm coverage to residential and commercial property owners including many who endured the most active hurricane season in recorded history.


A house in Houston suburb flooded from Hurricane Harvey 2017

Property Insurance: Water Leak Repairs Lost in Mix During COVID-19 Pandemic

Even though COVID-19 has kept more people inside than ever before, far too many homeowners may be overlooking interior water leaks and putting off their repairs.


young woman in medical face protection mask indoors on blue background. Sick person

COVID Claims: Insurers Gaining Upper Hand in Business Interruption Legal Disputes

More than six months after COVID-19 restrictions shut the doors to many


rain flows down from a roof down

Any Way Wind Blows, Storm Mitigation Can Reduce Property Insurance Costs

Huddled in their bathroom, Lois Watson, her husband, and their daughter could see



The Difference Between the NFIP and Private Flood Market

Flood insurance coverage is a necessity in many parts of the country.


Photo by Gustavo Zambelli on Unsplash

Why Does My Rate Go Up If I Didn’t File a Claim?

Can My Homeowner’s Insurance Rates Go Up Even If I Don’t File a Claim?



What is the Difference Between Excess Coverage and Umbrella Coverage?

Are you adequately covered for liability?



How to Protect Your Boat During a Storm

Learn how to prepare your boat or yacht for a storm.


For Homeowners


Orchid is The First Choice for homeowners insurance in coastal areas throughout the United States. Learn more about protecting your home and property in the case that disaster strikes.