Homeowners Insurance Policies

Homeowners insurance is designed to protect you from disasters that can damage your home and belongings. It helps keep you financially secure in the worst cases. In addition to repairing your home and the contents that dwell in it, insurance can cover your outside structures, such as pools, detached garages, sheds, and more!


At Orchid we offer a wide range of homeowners products to suit your needs. We currently offer HO3, HO5, and HO6 policies.

Key Features:

  • HO3 and HO5 minimum is as low as $200,000 in most states
  • HO6 programs start at $50,000
  • Flexibility allowed in coverage limits as long as they don’t exceed the maximum values of:
    • Coverage B Up to 30% of Coverage A
    • Coverage C Up to 70% of Coverage A
    • Coverage D Up to 30% of Coverage A

The Orchid Difference

  • Can write in 50 states
  • Write as high as $20 million total insured value with carrier approval
  • Provide flexible wind deductible options as low as 1% (varies by state)
  • Offer multi-family dwelling with a maximum of 4 families
  • Can write Protection Class 9 risk with the appropriate questionnaire completed
  • Provide the option to exclude Wind on any policy type
  • Offer Earthquake coverage, in select states, with 5% deductibles

General Requirements

  • There needs to be no existing unrepaired damage to the risk
  • No more than two mortgages on the property
  • Dogs on the excluded breed list are acceptable but will be excluded from liability
  • Slides, diving boards, trampolines, and large outdoor play sets are acceptable but will be excluded from liability
  • Business within the risk is generally not included
  • No more than 2 non catastrophic losses within the last 3 years
  • Daycare risks are not acceptable
  • No modular or mobile homes

*Guidelines are subject to change.

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 online quoting is your quickest and most convenient resource for paperless quoting and binding.