Personal Lines

Our unique solutions bring together outstanding products at competitive prices with close to a dozen trusted carriers.


See the Orchid Difference in Personal Lines Excess & Surplus

For two decades, Orchid has been the First Choice for catastrophe exposed property insurance. Our flexible products, fast processes, expert underwriting and competitive pricing provide customized solutions to our partner agents from coast to coast.

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Orchid Personal Products

Homeowners Property Insurance



We provide homeowners insurance through A.M. Best A- or better rated carriers for primary, secondary and long-term rentals.

  • Primary occupancy
  • Secondary/Seasonal occupancy
  • Rental occupancy
Homeowners Primary and Excess Flood

Flood Programs

Get the right amount of flood coverage for your insured. Orchid offers programs that will provide coverage for difficult situations up to higher limits of coverage.

Homeowners Wind Only width=

Wind Only

Get your insureds coverage for possible wind and hail damage from hurricanes, windstorms, tornadoes, etc.

  • Wind Only
  • Named wind storm

Homeowners Builders Risk Insurance

Builder’s Risk


Provide the coverage your insured needs while they build, rebuild or renovate their home.

  • All risk needs – including wind
  • Ground-up
  • Course of construction
  • Renovations
Homeowners and Personal Lines Inland Marine

Inland Marine

Personal article floaters such as jewelry, art, collections and blanket protection.

  • Jewelry
  • Art Collections
  • Wine Collections

Why Orchid?

The Orchid Premier Endorsement enhances certain coverages and adds additional coverages not otherwise included in the base form. This endorsement is tailored to each class of business and is attached to every policy.

  • Multiple carriers with A.M. Best Rating of A- or higher
  • Multiple products to assure best price/coverage combination
  • Primary, Secondary/Seasonal, and Rental occupancies
  • Underwriting capacity in all 50 states, the Bahamas & the Caribbean
  • Named Storm and Wind/Hail deductible options
  • Named insured flexibility for corporations, LLCs, trusts, etc.
  • $300,000 minimum coverage A (less in most states)
  • Online quoting and binding

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E&S Personal Lines

866-370-6505 ext. 609