Florida property insurance
We know our home — and yours.
Orange Insurance is a bright face in the Florida property insurance market. We build coverage around the realities of owning a home here, and we deliver it through independent agents who know your neighborhood.
- Built for FloridaCoverage designed around Florida homes and Florida weather
- Independent agentsAvailable through local independent agents across Florida
- A (Exceptional)Financial Stability Rating® from Demotech, Inc. (opens in a new tab)
- BBBInsurance Financial Strength Rating from KBRA (opens in a new tab)
Insurance for Florida homes
Coverage for the way you live in Florida
Whether it’s the home you live in, the condo you love, or the rental you own, Orange Insurance has a policy designed for Florida properties, plus flood insurance to help fill the gap most property policies leave.
Homeowners insurance
Protect the home you’ve worked hard to build — the structure, your belongings, and your financial well-being.
- Replacement cost limits up to $3,000,000
- Liability limits up to $1,000,000
Condo insurance
Fill the gaps your association’s master policy leaves — your interior, your belongings, and your liability.
- Coverage for your belongings up to $1,500,000
- Loss assessment coverage
Dwelling Fire insurance
Flexible protection for rental properties and homes that don’t fit a standard homeowners policy.
- Short-term and long-term rental occupancy
- No maximum number of insured dwellings
Flood insurance
Help protect your home from flood damage, which standard homeowners policies typically don’t cover.
- Offered through Wright Flood
- Backed by the U.S. government
Built for Florida
Owning a home here means preparing for more than sunshine.
From hurricanes and tropical storms to heavy rain and wind events, Florida homes face unique risks. The right coverage depends on how your home is built, where it sits, and how you want to handle a storm when one comes.
Your agent can help you review:
- Hurricane deductible options
- Wind mitigation features
- Roof type and age
- Construction characteristics
- Water protection options
- Replacement cost needs
What’s My Risk?
See your property’s risk before the next storm
Enter any Florida address to see current and long-term risk from hurricanes, severe weather, flooding, and wildfire, plus practical steps to prepare this week, this month, and this year.
Free to use, with no account needed. Results are based on public federal data from NOAA, FEMA, and other agencies. Want help understanding yours? Talk to a local agent.
- Hurricanes and tropical storms
- Severe weather
- Flooding
- Wildfire
Make it yours
Customize your coverage and save where you can
Every home is different. Depending on eligibility, you can add protection beyond a standard policy and qualify for savings.
Optional coverages
- Valencia Package
- Home Systems Protection
- Service Line Coverage
- Home Cyber Protection
- Solar Panel Coverage
Availability varies by product and underwriting eligibility.
Discounts and credits
- In-Agency Auto Discount
- In-Agency Policy Transfer Credit
- Secured Community Discount
- Home Safety & Security Devices Credit
Discount availability depends on product, eligibility, and underwriting guidelines. Information about hurricane loss mitigation discounts is also available.
Independent agents
Real guidance from someone who knows your community
Orange Insurance is available through independent agents across Florida. Your agent takes the time to understand your home and helps you choose coverage that fits your property and your budget.
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Find an agent
Search by ZIP code or your current location.
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Review your home together
Construction, occupancy, replacement cost, deductibles, and Florida-specific risks.
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Choose coverage with confidence
Limits, endorsements, and discounts that fit your needs.
For independent agents
Are you an independent agent?
Join the Orange Insurance agency force. Complete our broker inquiry form and a representative will reach out to you.
Coverage descriptions are provided for informational purposes only. Coverage is subject to policy terms, conditions, exclusions, limitations, underwriting guidelines, and eligibility requirements. Not all coverages, discounts, or endorsements are available for every property. Please consult your independent agent to determine the options available for your situation.