About Orange Insurance Exchange
Insurance built for Florida
Orange Insurance Exchange is a Florida-domiciled reciprocal insurer dedicated to protecting the homes and properties of Floridians. Our weather, our homes, and the risks we face require experience, financial strength, responsive service, and insurance products designed for the people who live here.
- Established 2023Certificate of Authority from the Florida Office of Insurance Regulation
- A (Exceptional)Financial Stability Rating® from Demotech, Inc.Learn more about Orange’s Demotech rating (opens in a new tab)
- BBBInsurance Financial Strength Rating from KBRALearn more about Orange’s KBRA rating (opens in a new tab)
Our structure
What is a reciprocal insurance exchange?
Orange is a reciprocal insurance exchange, which means our policyholders are also Members, sometimes referred to as Subscribers, of the Exchange.
In a reciprocal, Members come together to insure one another, with the Exchange operating for their collective benefit. The Exchange has no outside stockholders of its own to pay, so its interests are aligned with those of its Members.
Orange has the same statutory protections and responsibilities as a traditional stock insurance company, including the Florida Hurricane Catastrophe Fund and the Florida Insurance Guaranty Association.
Membership
When you choose Orange, you’re more than a policyholder. You’re an Orange Member.
Members
Policyholders, also called Subscribers. Each signs the Subscriber Agreement and shares the risk with every other Member.
The Exchange
Orange Insurance Exchange, the insurer itself. It pools premiums, pays covered claims, and holds its Members’ surplus.
The attorney-in-fact
The company Members appoint to manage the Exchange’s operations. Its fee is set in the Subscriber Agreement.
One-page overview
How a reciprocal exchange works
See where your premium goes, how subscriber savings accounts work, and what being a Member means for you, all on one printable page. Independent agents are welcome to share it with their clients.
Built for Florida
Experience, technology, and responsive service
Orange combines Florida property insurance experience with modern technology, thoughtful underwriting, and a commitment to responsive service. Depending on the policy and property, Members may also have access to additional coverage options for their homes, belongings, and the systems they rely on every day.
Our goal is simple: provide dependable protection while making it easier for Members and their independent agents to do business with Orange.
We offer coverage for Florida properties including:
- Primary residences
- Secondary and seasonal homes
- Condominiums
- Rental properties
- Commercial residential property
- Other residential risks
Our promise
There when you need us most
Homeowners place an extraordinary amount of trust in their insurance company. When something happens to your home, you should be able to count on:
Clear communication
Clear, timely communication about your policy and, when something happens, about your claim.
Responsive service
Service built around the needs of our Members, from policy administration and digital services to underwriting and claims.
A company that’s prepared
Capabilities that include catastrophe response, supported by experienced service partners where appropriate.
Our people
The people behind Orange
Orange is built by experienced insurance professionals focused on Florida. From underwriting and claims to member service, finance, and agent support, our team works every day for our Members and the independent agents who serve them.
A new chapter for Orange
Our new policy management platform
Orange continues to invest in the people, technology, and infrastructure needed to serve our Members and independent agents directly. Beginning September 1, 2026, Orange introduced its new policy management platform for new business, bringing more of the insurance experience under the Orange name.
Members with policies administered through our previous systems don’t need to take action simply because of this transition. If anything is required regarding your policy, Orange or your independent agent will provide specific instructions.
Financial strength
Financial strength matters, especially in Florida
Independent ratings reflect assessments of Orange’s financial strength and ability to meet its obligations to policyholders.
Demotech: A (Exceptional)
Orange carries a Financial Stability Rating® of A (Exceptional) from Demotech, Inc.
KBRA: BBB
Orange carries an Insurance Financial Strength Rating of BBB from KBRA.
Reinsurance program
Orange maintains a comprehensive reinsurance program designed to provide additional financial protection against significant catastrophe losses.
Independent agents. Local expertise.
Coverage chosen with someone who knows your community
Orange believes strongly in the value of independent insurance agents. Our agents understand their communities, know the Florida insurance market, and can help Members navigate coverage decisions that are sometimes complex.
Whether you’re purchasing a new policy, reviewing your coverage, or making a change to an existing policy, your Orange agent is an important part of the experience.
Florida is our home, too.
We understand the opportunities and challenges that come with living in Florida. Through dependable coverage, experienced professionals, and a statewide network of independent insurance agents, we’re committed to helping our Members protect what matters most.