Fair Money & Economic Opportunity

Porch Group's core business is a software platform for home service businesses, not direct lending or deposit services to consumers, therefore several financial KPIs are not applicable. The company has launched software to produce home inspection reports in foreign languages and its Floify platform supports Spanish subtitles on mortgage applications and helps lenders use rental history in mortgage approvals.

Floify was the first mortgage point-of-sale platform to support Spanish subtitles on mortgage applications. These initiatives aim to open credit opportunities for underserved communities and expand the pool of mortgage-ready customers. Fannie Mae data indicates that 17% of recent applicants who did not receive loan approval could have been approved if rental history was considered. The company maintains a 50% diverse board of directors and nearly 50% gender diversity across its employee base. For data accessibility, California residents have the right to know categories of personal information collected and access specific pieces, with opt-out requests processed within 15 business days and access requests within 45 calendar days. There is no evidence of regulatory findings or fines for discriminatory or unfair lending, nor proactive fair-lending audits. The company does not provide debt products to consumers, nor does it offer financial literacy programs or operate financial service access points. There is no information on profit reinvestment in community finance or product simplicity.

Honest & Fair Business

Porch Group has a Code of Business Conduct and Ethics, last amended in April 2025, which includes a whistleblower policy with a telephone hotline and a web-based form for reporting.

However, there is no evidence provided regarding independent investigation processes, training frequency, or resolution times for these reports. The Code also includes an anti-corruption policy that prohibits bribery and kickbacks, and addresses interactions with government officials, implying FCPA compliance. All company personnel and directors are required to sign an acknowledgment of compliance with the Code. However, the frequency and effectiveness metrics of anti-corruption training are not specified in the provided evidence.

Kind to Animals

Porch Group, Inc. operates as a software platform for home services, focusing on software subscriptions and lead generation. Evidence from crueltyfreeinvesting.org explicitly states that the company engages in "No Animal Exploitation."

Given its service-oriented business model, all animal-related KPIs, including cruelty-free certifications, animal testing, humane operations, and ethical sourcing, are not applicable to its operations.

Planet-Friendly Business

Porch Group released its initial ESG report in November 2023 and plans annual updates.

The company partnered with qb. Consulting in 2023 for a comprehensive materiality assessment, which identified carbon emissions, energy efficiency, and risk management & climate as material ESG areas. The company considers climate risk in insurance pricing and underwriting. It has reduced climate risk at its primary carrier (HOA) through non-renewals of high catastrophe risk policies and increased climate risk protection from a 1:100-year to a 1:130-year occurrence limit for hurricane loss events. The company continually evaluates its reinsurance program for adequate coverage against severe weather events. Porch formed the Porch Insurance Reciprocal Exchange (PIRE), expected to launch in January 2025, to better isolate weather-related loss volatility. The company is monitoring proposed SEC rule changes that would require climate-related disclosures.

Respect for Cultures & Communities

The provided articles lack specific quantitative data for all KPIs related to Respect for Cultures & Communities for PRCH.US. Article 0, the ESG Report summary, explicitly states that no data is provided for most metrics.

Articles 1, 2, and 3 focus on employee demographics or general community engagement by 'Porch Group Media' rather than PRCH.US, and do not offer relevant, quantifiable evidence for any of the defined KPIs.

Safe & Smart Tech

The company reported zero major data breaches in 2023, and the article is from July 2025, indicating no breaches for at least the past two years.

It achieved SOC 2 Type II certification. The privacy policy states that credit card information is encrypted in transit and storage, and the company takes measures to prevent unauthorized access, disclosure, alteration, and destruction of data. No incidents of unauthorized data use were reported. Users can access, update, and correct account information, and deletion is possible, though data may be retained for business and legal purposes. The company's policy mentions collecting only necessary data and defining retention periods. However, the company has only partial compliance with GDPR, incurring $325,000 in annual adaptation expenses. Its cybersecurity investment of $9.6 million in 2023, against a 2024 revenue of $438 million, places it below the industry average.