Orange Insurance Exchange

Orange Insurance Exchange is a reciprocal in Gainesville. It began in late 2023. It sells home, condo, rental and commercial residential cover. Agents sell it.

You can find it on our list of Florida home insurance companies. Its Florida company code is 54767 and its NAIC number is 17522.

Taking new policiesChecked Oct 19 Home, condo, landlord, flood and business

Is Orange Insurance Exchange leaving Florida? No. Orange is a Florida reciprocal that began selling in December 2023. It was still adding policies and agents in 2026. It posted no new business hold. As of Oct 19, 2026. Source: kbra.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

36,825

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A (Excellent)

From Demotech

Complaints

1 complaint in 2025 (NAIC, nationwide)

NAIC, 2025, nationwide, homeowners

Cabrillo Coastal and Orange Insurance Exchange

Cabrillo Coastal is an agency in Florida. Some of the home policies it sells are from Orange Insurance Exchange. Orange is the insurer. As of Oct 20, 2026. Source: cabgen.com.

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your Orange Insurance Exchange renewal go up?

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What's changed recently

  1. KBRA affirms BBB rating, outlook stable

    KBRA kept Orange at BBB with a stable outlook. It noted $37 million in surplus notes and heavy use of reinsurance. It also noted about 3,000 active agents and rate pressure from new rivals in Florida.

  2. KBRA affirms BBB rating one year after launch

    KBRA affirmed the BBB rating with a stable outlook. It cited an experienced team and a sound plan. Offsets were a $25 million surplus note, a Florida only focus and hurricane risk.

  3. OIR clears Orange to take up to 15,000 Citizens policies

    An OIR order let Orange take up to 15,000 Citizens policies. That was in the November 2024 takeout round. Actual takeouts are usually below the approved cap.

  4. Orange starts to sell policies in Florida

    OIR approved Orange on September 1, 2023. It got its certificate of authority in October 2023. It sold its first policies in December 2023. It had $25 million in starting surplus.

See every Orange Insurance Exchange update

Rate history

No rate filings tracked yet.

Want your Orange Insurance Exchange renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

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3 years in Florida

In Florida since 2023. Has paid claims through 4 hurricanes.

20242026 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Orange Insurance Exchange side by side

Orange Insurance Exchange side by side with State Farm and Universal Property
Orange Insurance Exchange State Farm Universal Property
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 36,825 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index 1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A (Excellent) Demotech A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2023 1934 1997

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  • Slide Taking new policies

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  • Tower Hill Taking new policies

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  • American Integrity Taking new policies

    American Integrity is a Tampa home insurer started in 2006. Now the 5th largest home insurer in Florida, with 423,783 policies on July 31, 2026, per OIR.

Questions people ask about Orange Insurance Exchange

Is Orange Insurance Exchange leaving Florida?No.

Orange is a Florida reciprocal that only writes in Florida. It started selling in December 2023, took on Citizens policies in late 2024, and in July 2026 KBRA said it was still growing with about 3,000 active agents. No new business hold was posted as of October 2026.

Source: KBRA rating affirmation, July 24, 2026; orangeinsure.com read October 10, 2026

What is the Orange Insurance Exchange claims phone number?Call 866-896-7233, the number on the Report a Claim section of the Orange site.

You can also email [email protected] or file online any time. If your policy number starts with H3, H6 or D3, the member portal line is 866-303-8970.

Source: Orange Insurance Exchange home and claims pages, read October 10, 2026

Is Orange Insurance Exchange a good company?Public data only: Demotech rates it A (Excellent).

KBRA rates it BBB with a stable outlook, affirmed July 2026. It is new and has sold policies since December 2023. KBRA notes it leans heavily on reinsurance and surplus notes. That is common for a young Florida insurer.

Source: Orange About page; KBRA release, July 24, 2026

Who owns Orange Insurance Exchange?Its members.

Orange is a reciprocal exchange. Each policyholder is a member. It is run for them. Orange Insurance Managers LLC acts as attorney in fact. Griffin Highline Capital of Dallas founded it in 2023. Cabrillo Coastal General Agency of Gainesville was its partner.

Source: Orange FAQ page; launch release, November 1, 2023

Is Orange Insurance Exchange admitted in Florida?Yes.

OIR approved Orange on September 1, 2023. It is a Florida domiciled reciprocal insurance exchange. It got its certificate of authority in October 2023. That makes it an authorized insurer, not a surplus lines carrier.

Source: Insurance Journal, September 6, 2023; KBRA, July 24, 2026

Is Orange Insurance Exchange the same as Cabrillo Coastal?No, but they are linked.

Cabrillo Coastal General Agency helped found Orange. It services some Orange policies. If your policy number starts with OI, you use the Cabrillo Coastal portal and phone line. Orange is the insurer. Cabrillo Coastal is a general agency.

Source: Orange claims page, read October 10, 2026; Insurance Journal, September 6, 2023

Still deciding? Let us shop your Orange Insurance Exchange renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

Orange Insurance Exchange reviews and complaints: what the public data shows

Orange Insurance Exchange rating

A (Excellent) from Demotech.

Complaints
1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 2023 (3 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.