Description of Business and Summary of Significant Accounting Policies (Tables)

9 Months Ended

Sep. 30, 2025

Accounting Policies [Abstract]

Schedule of Cash, Cash Equivalents and Restricted Cash

The reconciliation of cash, cash equivalents, and restricted cash and cash equivalents to amounts presented in the unaudited Condensed Consolidated Statements of Cash Flows are as follows:

		September 30, 2025		December 31, 2024
Cash and cash equivalents of Porch	(1)	$	73,433	$	167,643
Restricted cash and cash equivalents of Porch		8,128		29,139
Cash and cash equivalents of the Reciprocal		110,204		—
Restricted cash and cash equivalents of the Reciprocal		1,031		—
Total cash, cash equivalents, and restricted cash and cash equivalents		$	192,796	$	196,782

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(1)Balance as of December 31, 2024, includes $111.1 million cash and cash equivalents at HOA.

Schedule of Restricted Cash and Cash Equivalents

The reconciliation of cash, cash equivalents, and restricted cash and cash equivalents to amounts presented in the unaudited Condensed Consolidated Statements of Cash Flows are as follows:

		September 30, 2025		December 31, 2024
Cash and cash equivalents of Porch	(1)	$	73,433	$	167,643
Restricted cash and cash equivalents of Porch		8,128		29,139
Cash and cash equivalents of the Reciprocal		110,204		—
Restricted cash and cash equivalents of the Reciprocal		1,031		—
Total cash, cash equivalents, and restricted cash and cash equivalents		$	192,796	$	196,782

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(1)Balance as of December 31, 2024, includes $111.1 million cash and cash equivalents at HOA.

The following table provides the components of restricted cash and cash equivalents on the unaudited Condensed Consolidated Balance Sheets:

		September 30, 2025		December 31, 2024
Held as collateral by captive reinsurer for benefit of the Reciprocal	(1)	$	14	$	20,608
Pledged to state departments of insurance	(2)	—		895
Held for payment of possible warranty claims	(3)	7,114		6,636
Other		1,000		1,000
Restricted cash and cash equivalents		$	8,128	$	29,139
Restricted cash and cash equivalents of the Reciprocal:
Pledged to state departments of insurance	(2)	$	1,031	$	—
Restricted cash and cash equivalents		$	9,159	$	29,139

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(1)Held by our captive reinsurance business as collateral for the benefit of the Reciprocal.

(2)Pledged to the Department of Insurance in certain states as a condition of our Certificate of Authority for the purpose of meeting obligations to policyholders and creditors.

(3)Required under regulatory guidelines in 26 states and 23 states as of September 30, 2025, and December 31, 2024, respectively.

Schedule of Components of Other Insurance Liabilities, Current

The following table details the components of other insurance liabilities, current, on the unaudited Condensed Consolidated Balance Sheets. Other insurance liabilities were held by the Reciprocal as of September 30, 2025.

	September 30, 2025		December 31, 2024
Ceded reinsurance premiums payable	$	4,577	$	17,141
Commissions payable, reinsurers and agents	7,632		7,264
Advance premiums	12,377		8,865
Funds held under reinsurance treaty	1,489		5,284
General and accrued expenses payable	640		586
Other insurance liabilities, current	$	26,715	$	39,140