Insurance products
Coverage made for Florida
Your property is more than an address. It’s your home, your investment, and a place worth protecting. Orange Insurance offers property insurance designed specifically for Florida homeowners, condo owners, and rental property owners, plus flood insurance through Wright Flood.
Our policies
Find the right policy for your property
Not sure which policy is right for you? An independent Orange agent can help you understand your options and find coverage that fits your property.
Homeowners insurance
For the home you live in, including second and seasonal homes. Protect your home, belongings, liability, and more with coverage designed for Florida homeowners.
- Replacement cost limits up to $3,000,000
- Personal liability limits up to $1,000,000
- Other structures, personal property, and loss of use
Condo insurance
For condominium unit owners. Fill the gaps your association’s master policy may leave — your unit’s interior, your belongings, and your liability.
- Coverage for your belongings up to $1,500,000
- Broad protection for your unit’s interior included
- Loss assessment coverage
Dwelling Fire insurance
For rental and investment properties. Flexible protection for landlords and owners of homes that don’t fit a standard homeowners policy.
- Short-term and long-term rental occupancy
- One- to four-family dwellings
- No maximum number of insured dwellings
Flood insurance
For flood damage your property policy doesn’t cover. A separate policy that helps protect your home from losses caused by flooding.
- Offered through Wright Flood
- Coverage backed by the U.S. government
- In compliance with NFIP underwriting requirements
Side by side
How our policies compare
Each policy is built for a different kind of property. Here’s a quick look at the differences. Your agent can confirm what your property qualifies for.
| HO-3Homeowners | HO-6Condo | DP-3Dwelling Fire | |
|---|---|---|---|
| Designed for | Owner-occupied single-family homes, including second and seasonal homes | Condominium unit owners | Rental and investment properties, and some owner-occupied homes that don’t qualify for homeowners coverage |
| Occupancy | Owner-occupied primary, secondary, or seasonal home; rental exposure not allowed | Year-round, seasonal, or rented to others | Primary, seasonal, short-term rental (one night or longer) and long-term rental |
| Dwelling / unit coverage | Replacement cost limits up to $3,000,000; higher values subject to underwriting review | Broad protection for your unit’s interior, included for eligible units | Replacement cost limits up to $3,000,000; higher values subject to underwriting review |
| Personal property | Included | Up to $1,500,000 | Optional; lower limits available for landlord-owned furnishings |
| Personal liability | Up to $1,000,000 (for homes insured for $500,000 or more) | Up to $500,000 | Optional, up to $500,000 |
Limits and coverages are subject to eligibility and underwriting guidelines. Flood damage is typically not covered by these policies; flood insurance is available as a separate policy.
Associations and communities
Commercial residential property
Orange offers comprehensive coverage for Florida commercial residential property. If you’re responsible for the property insurance on a condominium, apartment, cooperative, or property owners’ association, Orange can help. Reach out to an Orange agent near you to find out whether your community qualifies.
Get more from your policy
Customize your coverage and save
Additional coverages
Add protection beyond a standard policy with optional endorsements such as the Valencia Package, Equipment Breakdown, Service Line, and Ordinance or Law coverage.
Discounts and credits
Eligible members may qualify for savings through discounts such as:
- In-Agency Auto Discount
- In-Agency Policy Transfer Credit
- Secured Community Credit
- Home Safety & Security Devices Credit
- Orange Flood Policy Discount
Discount availability depends on product, eligibility, and underwriting guidelines. Information about hurricane loss mitigation discounts is also available.
Here to help
Not sure which policy is right for you?
An independent Orange agent can review your property and help you choose coverage that fits your needs and your budget, so you can get back to enjoying life in Florida.
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, endorsements, or occupancy types are available for every property. Please consult your independent agent to determine the options available for your situation.