Orange Insurance Exchange (Orange) is a reciprocal insurer that specializes in insuring Florida properties. A reciprocal insurer is an insurance entity whose Members, also known as Subscribers, agree to insure each other — similar to a mutual insurance company. As a reciprocal insurer, all decisions are made in the best interests of you, the Members.

Who are Orange members?

Orange Members are comprised of individuals that take great pride in the ownership, care and maintenance of their home and are seeking insurance coverage that restores their home to its prior condition after Mother Nature has left her mark. With a variety of optional coverages such as Replacement Cost, Flood, and Equipment Breakdown, Orange offers its Members a selection of coverages tailored to meet each Member’s specific needs and budget.

Our Promise

We understand Orange Members expect the best from their insurer by placing their trust in us to protect one of their largest investments. When it comes to policy service and claims handling, Orange has partnered with Cabrillo Coastal and Harbor Claims to ensure best-in-class service and responsiveness. Cabrillo and Harbor routinely rank among the top insurance service providers in Florida and excel in a natural disaster when you rely upon your insurer the most. Additionally, Orange is contracted with a broad network of independent insurance agents across Florida who provide expert advice and superior service to their customers each and every day.

Financial Rating

Orange is extremely proud to carry a Financial Stability Rating® of A (Excellent) from Demotech, Inc. and an Insurance Financial Strength Rating (IFSR) of BBB from KBRA, the two leading financial rating companies for Florida property insurers.  Not every Florida property insurer can make the same claim.