Personal Lines

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


Personal Lines Products


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

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.

Wind Only

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

Builder’s Risk

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

Inland Marine

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

Excess Flood

In the event of a loss, once you have exhausted the NFIP limit of $250,000, the Excess Flood limit begins to apply.

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
  • 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

E&S Personal Lines


Get Appointed

As an Orchid-appointed partner, your agency’s success is our priority. You can rely on our dedicated support and expertise to offer your clients best-in-class service.

Start Quoting

Orchid’s online quoting system is your quickest and most convenient resource for paperless quoting and binding.