PRCH Corporate presentation

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Disclaimers Financial Targets Porch is providing guidance and targets for future periods in this presentation based on current market conditions, assumptions, and expectations as of the date of this presentation. Actual results may vary due to a number of factors, and there is no guarantee that we will be able to achieve these results. Please refer to the below for important disclaimers and a description of these factors. Certain full company guidance and forward-looking targets in this presentation, including the Adjusted EBITDA targets, represent Porch Shareholder Interest following the completed formation of Porch Reciprocal Exchange (“the Reciprocal") and sale of Homeowners of America Insurance Company ("HOA") to the Reciprocal on January 1, 2025. For the avoidance of doubt, guidance does not include the future results at the Reciprocal; while we consolidate their results into Porch GAAP financial statements, the Reciprocal results are allocated to noncontrolling interest owned by the Reciprocal members and not to Porch Shareholders, and will therefore be excluded from Revenue, Gross Profit and Adjusted EBITDA guidance. Forward-Looking Statements Certain statements in this presentation are considered forward-looking statements as defined by the Private Securities Litigation Reform Act of 1995. These statements are based on the beliefs and assumptions of management. Although we believe that our plans, intentions, and expectations reflected in or suggested by these forward-looking statements are reasonable, we cannot assure you that we will achieve or realize these plans, intentions, or expectations. Forward-looking statements are inherently subject to risks, uncertainties, and assumptions. Generally, statements that are not historical facts, including statements concerning our financial outlook and guidance, future financial performance and results, possible or assumed future actions, business strategies, events, or results of operations, are forward-looking statements. These statements may be preceded by, followed by, or include the words “believe,” “estimate,” “expect,” “project,” “forecast,” “may,” “will,” “should,” “seek,” “plan,” “scheduled,” “anticipate,” “intend,” or similar expressions. Forward-looking statements are not guarantees of performance. You should not put undue reliance on these statements which speak only as of the date hereof. You should understand that the following important factors, among others, could affect our future results and could cause those results or other outcomes to differ materially from those expressed or implied in our forward-looking statements: expansion plans and opportunities, and managing growth, to build a consumer brand; the incidence, frequency, and severity of weather events, extensive wildfires, and other catastrophes; economic conditions, especially those affecting the housing, insurance, and financial markets; expectations regarding revenue, cost of revenue, operating expenses, and the ability to achieve and maintain future profitability; existing and developing federal and state laws and regulations, including with respect to insurance, warranty, privacy, information security, data protection, and taxation, and management’s interpretation of and compliance with such laws and regulations; the structure, availability, and performance of the Reciprocal's and HOA's reinsurance programs to protect against loss and maintain their financial stability ratings and a healthy surplus, the success of which are dependent on a number of factors outside management’s control; the possibility that a decline in our share price would result in a negative impact to the Reciprocal’s surplus position and may require further financial support to enable the Reciprocal to meet applicable regulatory requirements and maintain financial stability rating; uncertainties related to regulatory approval of insurance rates, policy forms, insurance products, license applications, acquisitions of businesses, or strategic initiative, and other matters within the purview of insurance regulators (including the discount associated with the shares contributed to HOA, that were subsequently transferred to the Reciprocal in connection with the closing of the sale of HOA to the Reciprocal); the ability of the Company and its affiliates to successfully operate and manage the Reciprocal and our ability to successfully operate our businesses alongside a reciprocal exchange; our ability to implement our plans, forecasts and other expectations with respect to the Reciprocal and to realize expected synergies and/or convert policyholders from our existing insurance carrier business into policyholders of the Reciprocal; reliance on strategic, proprietary relationships to provide us with access to personal data and product information, and the ability to use such data and information to increase transaction volume and attract and retain customers; the ability to develop new, or enhance existing, products, services, and features and bring them to market in a timely manner; changes in capital requirements, and the ability to access capital when needed to provide statutory surplus; our ability to timely repay our outstanding indebtedness; the increased costs and initiatives required to address new legal and regulatory requirements arising from developments related to cybersecurity, privacy, and data governance and the increased costs and initiatives to protect against data breaches, cyber-attacks, virus or malware attacks, or other infiltrations or incidents affecting system integrity, availability, and performance; retaining and attracting skilled and experienced employees; costs related to being a public company; and other risks and uncertainties discussed Part II, Item 1A, “Risk Factors,” in our Annual Report on Form 10-K (“Annual Report”) for the year ended December 31, 2024, and in our subsequent reports filed with the Securities and Exchange Commission ("SEC"), including our Annual Report on Form 10-K for the year ended December 31, 2025, to be filed with the SEC, as well as those discussed elsewhere in this presentation, all of which are available on the SEC’s website at www.sec.gov. We caution you that the foregoing list may not contain all the risks to forward-looking statements made in this presentation. You should not rely upon forward-looking statements as predictions of future events. We have based the forward-looking statements contained in this release primarily on our current expectations and projections about future events and trends we believe may affect our business, financial condition, results of operations and prospects. The outcome of the events described in these forward-looking statements is subject to risks, uncertainties, and other factors, including those described above and elsewhere in this presentation. We disclaim any obligation to update publicly any forward-looking statements, whether in response to new information, future events, or otherwise, except as required by applicable law. Non-GAAP Financial Measures This presentation includes non-GAAP financial measures, such as Adjusted EBITDA (Loss), Adjusted EBITDA (Loss) Margin, Adjusted EBITDA % of RWP, certain amounts related to Porch Shareholder Interest, and Attritional Loss Ratio. See appendix for additional information. 2

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Ready to Scale >80% Gross Margins¹ 23% Adj EBITDA % of RWP ¹ Track record of successful M&A Record of Execution Revenue: $72m ('20), $419m in '25 Gross Profit: 70% growth in '25¹ Adj EBITDA: 11x prior-year in '25¹ Porch Investment Highlights Defensible Strategy Unique property data for ~90% of U.S. homes creates best-in-class underwriting results Strong & Engaged Team Founder-led Long-term oriented Building a truly great company Profitable & Predictable $102m ‘26 Adj EBITDA Guidance¹ $660m Medium-Term Target² 90%+ recurring revenue³ Massive Opportunities Insurance, data, software, warranty & moving all big TAMs (U.S. HO Insurance = $100B+) 1) Adjusted EBITDA, Adjusted EBITDA % of RWP,, Porch Shareholder Interest Gross Profit, and Porch Shareholder Interest Gross Margin are non-GAAP financial measures. Please see slide 2 and appendix for important information regarding non-GAAP measures and financial targets. Represents the mid-point of 2026 guidance. 2) Medium-term Adjusted EBITDA target provided at the December 2024 Investor Day and updated in the Q1’25 earnings presentation 3) Recurring revenue represented >90% of Porch Shareholder Interest revenue during the year ended December 31, 2025 4) 2020 full year Revenue of $72 million. 2025 full year Porch Shareholder Interest Revenue 5) 23% Adj EBITDA % of RWP refers to Insurance Services Adj EBITDA as a percentage of Reciprocal Written Premium for the quarter ended December 31, 2025 3 4 ,5

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved • Tariffs: no significant impact • Recession: • Lower interest rates drive housing volumes • Industry premiums grown in the past • Inflation: scales premium at the Reciprocal • Weather: • Worse weather can lead to increases in homeowners insurance pricing and the total addressable market, which can lead to higher commission and fee revenue for Porch shareholders • Porch's Captive provides reinsurance, structured to separate Porch profitability from weather volatility and risk Targeting U.S. Homeowners Insurance in a Compelling Way 4 1 2 4 3 Notes: 1) Porch Shareholder Interest Gross Margin is anon-GAAP financial measure. Please see slide 2 and appendix for important information regarding non-GAAP measures and financial targets. 2) Source: S&P Market Intelligence U.S. Total Direct Written Premiums data through 2024. US Homeowners Insurance Premiums² Recessionary Period 0 20 40 60 80 100 120 140 160 180 1996 1999 2002 2005 2008 2011 2014 2017 2020 2023 Home Premium ($b) As the manager of a 3rd party-owned Reciprocal, Porch participates in the large and growing US Homeowners Insurance market. We differentiate with a high margin, commission and fee-based business model with no direct weather exposure. This results in predictable, >80% gross margin¹, recurring revenue.

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight Porch: A New Kind Of Homeowners Insurance Company Warranty, moving and home management services Differentiators to win Insurance Services for Consumers Best for homebuyers Advantaged underwriting More protection Unique data SaaS for home inspection, title, mortgage, and roofing Vertical SoftwareSoftware & Data Unique assets, strong SaaS margins and insights into US homebuyers Unique data Data Platform & distribution & experience 6

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Software Brands Have Strong Market Share in Key Industries 7 Roughly half of all US home inspections¹ ~40% of title transactions² Leading POS software for mortgage Measurement software for roofers Notes: 1) ISN, Home Inspector Pro and Palmtech inspection volume as a percentage of estimated 2025 home inspections (total inspections as a percentage of average home sales estimates across National Association of Realtors, Mortgage Bankers Association and Fannie Mae) 2) Rynoh title transaction share is based on 2025 Rynoh transactions as a percentage of total US home sales and refinance transa ctions according to Mortgage Bankers Association

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight Our Data "Home Factors" Provides Unique Property Insights We know how people, geographies, and homes are unique Competitors know about people and geographies with little property data 8 We have Home Factors for ~90% of U.S. homes

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight Higher Risk = Surcharge Lower Risk = Discount Market Pricing With Unique Data, Reciprocal Aims to Target Lower Risk Homes Water heater is 20 years old, in the attic, with rust Has a >100 amp electrical panel with no repairs needed Jack S Jill P 9 Higher prices for homes with more risk than the market realizes Lower prices for homes will less than average risks

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight 43% 34% 22% 17% 97% 71% 79%88% 65% 69% 65% 27% Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Better Risk Selection Drives Exceptional Reciprocal Results Attritional Loss Ratio trend (excl. CAT Weather) Gross Loss Ratio trend Gross Combined Ratio 113% 103% 93% 77% 107% 180% 58% 49% 97% 124% 89% 33% 71% 70% 55% 63% Gross Loss Ratio 81% 80% 74% 56% 79% 120% 39% 36% 71% 117% 57% 21% 36% 34% 22% 16% Attritional Loss Ratio (excl. CAT) 43% 44% 54% 32% 40% 35% 32% 30% 33% 21% 21% 16% 18% 14% 17% 16% FY22 FY23 Started using Porch unique data Ramped up use of Home Factors FY24 10 Approaching 100 Home Factors Notes: 1) The spikes in Gross Loss Ratio in Q2 ’23 and Q2 ’24 are related to weather events in Texas. As of January 1, 2025, with the creation of the Reciprocal, Porch Group does not have direct weather exposure. Further, at the Reciprocal, we have mitigated its volatility and exposure to weather by purchasing third party Reinsurance at a $23M retention per event limit. 2) Current accident year 3) Attritional loss ratio excludes catastrophic weather claims. Attritional loss ratio is a non-GAAP financial measure. Please see slide 2 and appendix for important information regarding non-GAAP measures. FY25 2 3 1 1

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved 2024 AM Best Report Validates Better Combined Ratio vs Peers 11 Source: AM Best Market Share Report April 2025, showing homeowners peer group. For US carriers with >$350m Direct Written Pre mium and for Texas carriers with >$50m Direct Written Premium. 1) Gross Direct Combined Ratio (“DCR”) as defined by AM Best, which is the sum of the Direct Loss and Loss Adjustment Expense Ra tio, the Direct Policyholder Dividend Ratio, and the Underwriting Expense Ratio. Direct Combined Ratio Measures the company’s overall underwriting profitability. A Direct Combined Ratio of less than 100 indicates a company is ma king an underwriting profit. AM Best's 2023 Report was similar, and we expect 2025 to again show best-in-class performance… Top Decile 2024 Direct Combined Ratio 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Texas Top 30 Homeowners’ Insurance Carriers: 2024 Direct Combined Ratio 1 U.S. Top 30 Homeowners’ Insurance Carriers: 2024 Direct Combined Ratio 1

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved More Margin in the System, Better Results for Porch Shareholders 12 5 Income Streams Generate Strong Financial Results for Porch, while the Reciprocal also grows surplus Reinsurance2 Policy fees Fees for homebuyer leads Surplus note interest Insurance Services Income Streams Notes: All numbers are $million unless otherwise stated. 1) Adjusted EBITDA % of RWP was 23% as of quarter ended December 31, 2025. Adjusted EBITDA % of RWP is Insurance Services Adjusted EBITDA divided by RWP. Insurance Services Adjusted EBITDA is a non-GAAP financial measure. Please refer to "Non-GAAP Financial Measures" in the Appendix for further details. 2) Our captive reinsurer provides reinsurance coverage for the Reciprocal for risks with low earnings volatility, such as non-catastrophic weather quota share. Our intent is to continue this quota share as we believe this is a long-term strategy to create capital efficiency for the Reciprocal and attractive, lower-risk economics for Porch shareholders 1 5 2 3 4 Management fees RWP to Insurance Services Adj EBITDA at ~23%¹

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Attractive Insurance Services is the Largest Part of Porch Shareholder Interest 13 Notes: 1) Revenue figures represent Porch Shareholder Interests following the formation of the Reciprocal and sale of HOA to the Reciprocal in January 2025. For the avoidance of doubt, guidance does not include the future results of the Reciprocal or HOA. 2) Revenue mix is based on total Porch Shareholder Interest revenue excluding the effects of intercompany eliminations 3) Porch Shareholder Interest Revenue is a non-GAAP financial measure. Please see the Non-GAAP Financial Measures slide in the appendix for important information regarding non-GAAP measures. 2025 Revenue Mix 62% 22% 16% Insurance Services Software & Data Consumer Services

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Q4 2025 Earnings Highlights 15 Key Q4'25 Porch Shareholder Interest1 Metrics: Notes: All numbers are $million unless otherwise stated. (1) Porch Shareholder Interest Revenue, Gross Profit, Gross Margin, Adjusted EBITDA, Adjusted EBITDA Margin and Cash Flow from Operations (also referred to as “Net Cash Used in Operating Activities”) are non-GAAP financial measures. Please see slide 2 and appendix for important information regarding non-GAAP measures. Reciprocal Written Premium (RWP) is an operating metric. 81% gross margin 21% Adj EBITDA Margin +$65.4m full-year 2025

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight Completed Reciprocal Formation Leads to Higher Margins $72 $192 $276 $430 $438 $419 $483 2020 2021 2022 2023 2024 2025 2026 Guidance +$55m one-time1 Gross Profit ($m) ~37% 6-year CAGR $55 $134 $168 $210 $212 $344 $393 2020 2021 2022 2023 2024 2025 2026 Guidance ~39% 6-year CAGR Total Revenue ($m) See slide 2 for additional information regarding financial targets. Starting 2025 Revenue less Cost of Revenue disclosure was revised to Gross Profit. We reclassified approximately $10 million of 2024 costs for the consolidated Company from operating expenses into cost of revenue to conform to the new presentation beginning in 2025. 2025 reflects the financials relating to the Porch Group Shareholder Interests, therefore excludes the Reciprocal which is treated as a non-controlling interest. 1) In Q3’23, the Company terminated a reinsurance contract following allegations of fraud against Vesttoo Ltd. This resulted in less reinsurance. The impact of this in the second half of 2023 was additional Revenue of approximately $55 million. 2) Based on the midpoints of 2026 guidance ranges for Porch Shareholder Interest Revenue and Gross Profit. Please see slide 2 and appendix for important information regarding non-GAAP measures and financial targets. 16 Jan 1 transition from carrier (premiums as revenue) to operator of Reciprocal (commissions and fees as revenue) This transition increased Gross Margins from 48% to >80% 2 2

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight Significant Improvements in Adjusted EBITDA Adj EBITDA (loss) ($m) ($44.5) $7.2 $76.6 $101.5 2023 2024 2025 2026 Guidance Adjusted EBITDA is a non-GAAP financial measure. Please see slide 2 and appendix for important information regarding non-GAAP measures and financial targets. See slide 2 for additional information regarding financial targets. 1) Based on the midpoint of 2026 Adj. EBITDA guidance 17 +$52m 1 +$69m

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight 18 Positive Adj EBITDA Correlates Closely to Positive Cash Flow Generated For Porch Shareholders Notes: All numbers are $million unless otherwise stated. 1) Represents cash, cash equivalents, investments, and restricted cash of Porch Shareholder Interest. At December 31, 2024, excludes HOA and includes the ~$10m of the Reciprocal seed funding that is not reported as Porch cash from December 2025. At December 31, 2025, excludes both HOA and the Reciprocal • Reciprocal improves Porch Cash + Investments1 following formation on January 1, 2025 • $90m Porch Cash + Investments at December 31, 2024. Increased to $121m in Q4’25 • $106m surplus note offers opportunity, including liquidity $90 $121 $49 $106 December 31, 2024 December 31, 2025 Porch cash & investments Surplus notes 1 $139m $227m

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight 20 Reciprocal Statutory Surplus Grew ~50% Year-over-Year Notes: All numbers are $million unless otherwise stated. 1) Non-admitted assets as reported in the Reciprocal's statutory filings $ mil. $289M

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight 21 Regardless of PRCH Share Price, Reciprocal Can Scale RWP Notes: All numbers are $million except PRCH stock price. There are a number of circumstances in the future that could affect RWP that could or could not be within our control. See slide 2 for important disclaimers. This illustration is based on the current surplus-to-premium ratio See page 35 for additional details As of 12/31/25 RWP ($ mil.)

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight 2025 2026 Guidance Medium Term Revenue $419m $483m $2.3bn Growth ~20% Adjusted EBITDA $77m $102m $660m Margin 18% 21% 29% • Sustainable 20% growth in base case. Conservative assumptions on margin • Believe long-term growth rate exceeds 20% & long-term Adjusted EBITDA Margins exceed 40% • Compelling opportunity to generate Adjusted EBITDA & cash flow for Porch shareholders 2026 guidance is the mid-point of the range provided in Q4 2025 earnings. This relates to Porch Shareholder Interests, therefore excluding the Reciprocal and HOA. Note: Porch Shareholder Interest Revenue, Adjusted EBITDA, and Adjusted EBITDA Margin are non-GAAP financial measures. Please see slide 2 and appendix for important information regarding non-GAAP measures. Porch Group is not providing reconciliations of non-GAAP measures for future periods to the most directly comparable measures prepared in accordance with GAAP because the Company is unable to provide these reconciliations without unreasonable effort because certain information necessary to calculate such measures on a GAAP basis is unavailable or dependent on the timing of future events outside of the Company’s control. Looking Ahead: $2.3bn Revenue, $660m Adj EBITDA 22 Medium Term Target Provided at December 2024 Investor Day & Updated Q1’25 Porch Shareholder Interest (Excludes Reciprocal)

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved We Have Created the Optimal Structure with the Reciprocal Reciprocal Owned by PolicyholdersPorch Group Porch Reciprocal Exchange (“the Reciprocal”) Software & Data Insurance Services Consumer Services Commission & Fees Operating Services Surplus note ($106m @ 9.75% + SOFR) Captive Reinsurer Policyholders (members) Premiums & Surplus Insurance & Claims Payments Insurance Company (HOAIC) 25 Member Benefits

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved We Have Created the Optimal Structure with the Reciprocal Reciprocal Exchange Porch Group Employees Claims Agent Commissions Reinsurance 26

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved With membership perks and discounts: The Very Best Insurance for Homebuyers Homebuyer discount Porch Moving Concierge 28 4 hours of moving services

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved How We Protect More With Extra Coverage: Service line coverage Water and sewer coverage Residential glass coverage Refrigerated product coverage 29 Annual whole-home warranty at no extra cost

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved With insights and tips: How We Reduce Risk Personalized home risk insights and recommendations Recall notices for appliances and systems Seasonal maintenance reminders Virtual Home Assistant The Porch Home App 30

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight We Have Early Insights into ~90% of U.S. Homes Title file opened Sets up utilities and cable and security Porch App & Moving Concierge Purchases home insurance Home projects Books movers Purchases home warranty Mortgage application begins Receives inspection 31

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight 1) Source: S&P Market Intelligence U.S. Total Direct Written Premiums data through 2024. 2) Source: The 2022 and the 2024 U.S. Home Insurance Study, JD Power. 3) Source: Estimated using the 2024 U.S. Home Insurance Study, JD Power and iProperty Management Average Length of Homeownership. With Early Access, the Reciprocal Targets Homebuyers We can reach homebuyers without massive brand spend 60% never switch3 Homebuyers retain better >$100bn U.S. Homeowners Insurance TAM1 40% of new policies are homebuyers2 60% never switch3 32

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight 16% 16% 5% 21% 16% Q4'24 Q4'25 22% 17% 43% 10% 65% 27% FY'24 FY'25 Better Risk Drives Industry-Leading Reciprocal Results 33 Notes: 1) Current accident year gross loss ratio. 2) Attritional loss ratio excludes catastrophic weather claims. Attritional loss ratio is a non-GAAP financial measure. Please see slide 2 and appendix for important information regarding non-GAAP measures. Impact of CAT weather claims Attritional Loss Ratio2 79% 65% FY'24 FY'25 FY25 Gross Loss Ratio1 Improved 3,800bps YoY FY25 Gross Combined Ratio Improved 1,400bps YoY No impact of CAT weather claims in Q4’25 Attritional Loss Ratio2 Q4’25 Gross Loss Ratio1 Improved 500bps YoY

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Copyright 2026 Porch Group, Inc. All rights reserved 241. 174. 0 highlight $160 $240 $360 $320 Q1'25 Q2'25 Q3'25 Q4'25 $1.0 $1.5 $2.0 $1.4 Q1'25 Q2'25 Q3'25 Q4'25 $198 $299 $412 $289 Q1'25 Q2'25 Q3'25 Q4'25 Non-Admitted Assets Provide Optionality to Support LT Earnings Power Surplus Combined With Non-Admitted Assets RWP Potential Potential Insurance Services Adj. EBITDA Increase ~5:1 – Premium : Surplus 23% Premium : Insurance Services Adj. EBITDA ~$123M Sequential Decrease in Q4 ~$600M Decrease in Q4 Note: There are a number of circumstances in the future that could affect RWP that could or could not be within our control. See slide 2 for important disclaimers. This illustration is based on the current surplus-to-premium ratio as well as the current premium-to-EBITDA ratio, and while not expected, both of which could change in the future. 34 ~$40M Decrease in Q4 ~ ~ ~ ~ ~ ~ ($ mil.) ($ bil.) ($ mil.) ~ ~

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved 35 Reciprocal Surplus: PRCH Price Sensitivity Table Notes: All numbers are $million except PRCH stock price. Surplus Combined with Non-Admitted Assets includes the market value of the 18.3M PRCH shares held at the Reciprocal minus capital gains taxes There are a number of circumstances in the future that could affect RWP that could or could not be within our control. See slide 2 for important disclaimers. This illustration is based on the current surplus-to-premium ratio PRCH Price Statutory Surplus 5 : 1 RWP Scenario Surplus Combined with Non-Admitted Assets 5 : 1 RWP Scenario $2.00 $141 $706 $159 $736 $5.00 $149 $743 $214 $1,003 $10.00 $157 $783 $305 $1,389 $20.00 $173 $863 $488 $2,137 $30.00 $189 $943 $672 $2,880 $40.00 $205 $1,023 $855 $3,621 Scenarios for Period Ended 12/31/25

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Our Software Support All Parts of an Inspection Business Of Inspections2~50% Inspection Companies1 ~9,000 Monthly Logo Retention3 99.4% NPS455 Key Metrics Notes: 1) Unique inspection companies across all Porch inspection products. 2) ISN, HIP, Palmtech inspection volume as a percentage of estimated home inspections (2025 total inspections as a percentage of average home sales estimates across National Association of REALTORS®, Mortgage Bankers Association and Fannie Mae) 3) Average monthly logo retention for ISN from December 2024 to December 2025. 4) NPS for ISN from October through December 2025 CRM and Workflow Payment Processing Office Services Report Writer Growth Tools 38

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved We Are The Gold Standard in Title Software Solutions One Easy-To-Use Platform Key Metrics Notes: All figures are updated as of February 2026 1) Defined as average monthly logo retention rate from January 2025 to December 2025 Monthly Logo Retention199.2% Net Promoter Score62 # of title companies~2,400 39

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved The Housing Industry Has Faced Headwinds All data represents millions unless otherwise stated. (1) Source: Mortgage Bankers Association Total Existing Home Sales plus New Home Sales (2) Source: Mortgage Bankers Association refinance loans (unit basis) Home Sales Transactions1 Declined… 6.9 5.7 4.8 4.8 4.8 2021 2022 2023 2024 2025 …So Did Refinance Transactions2 8.3 2.3 0.8 1.0 2.0 2021 2022 2023 2024 2025 40

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Our Software & Data Businesses Have Innovated Verifi launch Q4 2023 New Title Production Integration (Settlor) Q1 2025 Microservices framework and Plaid Integration Q4 2024 Smart Scheduling added to mobile app Q2 2025 Improved Upgrades/Upsell for inspectors Q4 2024 RynohVerfi Bundle Q3 2024 Matic Homeowners Insurance Q1 2025 Third Party Originator (TPO) Portal Q2 2025 Enterprise-level functionality Q1 2025 Rynoh Inspection Floify 41 Floify Verify and Byte LOS Field Sync Q4 2024 AI Image Defect Detector Q3 2025 Launched Product Hub Q4 2025

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Resulting in Continued Increase in Revenue Per Transaction $2.47 $3.68 $4.87 $6.02 $6.84$6.53 $8.29 $8.68 $9.62 $10.49 2021 2022 2023 2024 2025 (1) Includes transactions from Floify (number of loan applications), ISN (number of inspections), Rynoh (number of closed files). Revenue includes Floify, ISN, Rynoh, and Guardian. Includes revenue from the full suite of Inspection, Mortgage, Title and Roofing solutions inclusive of acquisitions. Total Software1 Rynoh 42

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Data Creates Value in Multiple Ways Improved pricing and risk for the Reciprocal & HOA Adding value to our customer experiences Improved pricing and risk for other carriers Helping businesses target the right consumers 1 4 2 3 43

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Billions of Data Insights on Properties and Households DemographicsHomebuyers Home interior Home exterior Risk insights Movers Car in the garage Life events Interests / hobbies Buyer intent Wealth / Financial Active shoppers Household InfoProperty Info 44

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved We Are Producing Unique Insights Foundation repair/replace Windows repair/replace Roofing repair/replace Sump pump repair/replace Electrical panel repair Electrical wiring repair Electrical outlet repair flag 45

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Example: Electrical Panel Needing Repair / Replacement Our data indicated a ~41% higher claims frequency 33% of Policyholders WITH electrical panel repair needed 39% of Policyholders WITHOUT electrical panel repair Current pricing 13% surcharge 18% discount 46

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Well-Positioned to Grow through Diverse Demand Channels Real Estate & Inspection D2C Insurance Utilities Partnerships 49 Porch Reciprocal Exchange (“the Reciprocal”)

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Connecting with Consumers Across the Home Journey Moving Concierge Porch App & Website Porch Home Concierge "My team can help you throughout the entire moving process, down to every last detail." Moving Services 50 TV/Internet Home Insurance Home projects Movers Home Security Home Warranty

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved We’re the 2nd Largest Moving Labor Provider ~92K completed moves in 2025 with 4.8/5 customer satisfaction Long-term partnerships with largest moving companies Operating several brands on 1 platform 51

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Strong Leadership Team Nicole Pelley EVP, Porch Platform Efram Ware President and Group GM, Insurance Malcolm Connor VP & Group GM, Home Services Joshua Steffan SVP & Group GM, Inspection & Real Estate Jake Miller VP Finance Nick Graham SVP & Group GM, Moving Matt Ehrlichman CEO, Chairman & Founder Shawn Tabak Chief Financial Officer Matthew Neagle Chief Operating Officer Meghan Silver General Counsel Hilary Cahill VP People Michelle Taves VP and Group GM, Data and Marketing Nathan Smith VP Corporate Controller Tyler Cobb VP, Corporate Development 53 John Campbell VP Investor Relations

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Our Insurance Leadership Team Eric Lemieur Sales & Distribution Efram Ware President and GM Mike Capuzzi Ops & Claims Chad Mirock Product Andrea Ferrari Underwriting Nathan Smith Accounting Janiella Shirley Legal 54 Alice Robinson Chief Actuary Jonathan Judge Data Science

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Non-GAAP Financial Measures 57 This presentation includes non-GAAP financial measures, such as Adjusted EBITDA (Loss), Adjusted EBITDA (Loss) Margin, Adjusted EBITDA % of RWP, certain amounts related to Porch Shareholder Interest, and Attritional Loss Ratio. We define Adjusted EBITDA (Loss) as net income (loss) adjusted for net income (loss) attributable to the Reciprocal; interest expense; income taxes; depreciation and amortization; gain or loss on extinguishment of debt; other expense; other income; impairments of intangible assets and goodwill; gain or loss on reinsurance contract; impairments of property, equipment, and software; stock-based compensation expense; mark-to-market gains or losses recognized on changes in the value of contingent consideration arrangements, unexercised warrants, and derivatives; restructuring and other costs; acquisition and other transaction costs; and non-cash bonus expense. Adjusted EBITDA (Loss) Margin is defined as Adjusted EBITDA (Loss) divided by revenue. On January 1, 2025, Porch Group sold its legacy homeowners insurance carrier Homeowners of America to the Reciprocal, a separate entity which is owned by its policyholder-members that is a variable interest entity (“VIE”). The Reciprocal is managed, but not owned, by Porch Group, and is consolidated as a VIE for reporting purposes. Results in this presentation reference results generated for Porch shareholders (“Porch Shareholder Interest”), which includes the Insurance Services, Software & Data, and Consumer Services segments, along with corporate functions. These are the businesses which Porch owns. Many Porch Shareholder Interest amounts are non- GAAP measures; see Non-GAAP Financial Measures section of our earnings releases for definitions and reconciliations to GAAP Measures. The Attritional Loss Ratio is calculated by deducting the Gross Loss Ratio related to catastrophic weather events from total Gross Loss Ratio. Catastrophic weather events include, without limitation, hurricanes, tornados, earthquakes, hailstorms, wildfires, high winds, and winter storms. We believe Attritional Loss Ratio is useful to investors and use this financial measure to reveal trends in the Reciprocal’s Gross Loss Ratio that may be obscured by catastrophe losses. These catastrophe losses may cause the Reciprocal’s Gross Loss Ratio to vary significantly between periods as a result of their incidence of occurrence and magnitude. Our management uses these non-GAAP financial measures as supplemental measures of our operating and financial performance, for internal budgeting and forecasting purposes, to evaluate financial and strategic planning matters, and to establish certain performance goals for incentive programs. We believe that the use of these non- GAAP financial measures provides investors with useful information to evaluate our operating and financial performance and trends and in comparing our financial results with competitors, other similar companies and companies across different industries, many of which present similar non-GAAP financial measures to investors. However, our definitions and methodology in calculating these non-GAAP measures may not be comparable to those used by other companies. In addition, we may modify the presentation of these non-GAAP financial measures in the future, and any such modification may be material. You should not consider these non-GAAP financial measures in isolation, as a substitute to or superior to financial performance measures determined in accordance with GAAP. The principal limitation of these non-GAAP financial measures is that they exclude specified income and expenses, some of which may be significant or material, that are required by GAAP to be recorded in our consolidated financial statements. We may also incur future income or expenses similar to those excluded from these non- GAAP financial measures, and the presentation of these measures should not be construed as an inference that future results will be unaffected by unusual or non- recurring items. In addition, these non-GAAP financial measures reflect the exercise of management judgment about which income and expense are included or excluded in determining these non-GAAP financial measures. You should review the tables in our most recent earnings release and earnings presentation available on our website, and the following slide in this appendix, for reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measure. We are not providing reconciliations of non-GAAP financial measures for future periods to the most directly comparable measures prepared in accordance with GAAP. We are unable to provide these reconciliations without unreasonable effort because certain information necessary to calculate such measures on a GAAP basis is unavailable or dependent on the timing of future events outside of our control.

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Attritional Loss Ratio (ALR) Reconciliation 58 Notes: Attritional loss ratio is considered a non-GAAP financial measure. We define Attritional Loss Ratio as Gross Loss Ratio excluding the losses due to catastrophic weather. Attritional Loss Ratio The Attritional Loss Ratio is calculated by deducting the Gross Loss Ratio related to catastrophic weather events from total Gross Loss Ratio. Catastrophic weather events include, without limitation, hurricanes, tornados, earthquakes, hailstorms, wildfires, high winds, and winter storms. We believe the Attritional Loss Ratio is useful to investors and use this financial measure to reveal trends in the Reciprocal’s Gross Loss Ratio that may be obscured by catastrophe losses as such events cannot be accurately predicted and may cause the Reciprocal’s Gross Loss Ratio to vary significantly between periods as a result of their incidence of occurrence and magnitude. The Reciprocal has adopted the industry-wide catastrophe classifications of storms and other events published by Insurance Services Office, Inc. (“ISO”) to track and report losses related to catastrophes. ISO classifies an event as a catastrophe when the event causes $25 million or more in direct losses. The following table reconciles Gross Loss Ratio to Attritional Loss Ratio

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241. 174. 0 highlight Copyright 2026 Porch Group, Inc. All rights reserved Glossary 59 Term Definition Attritional Loss Ratio We calculate by deducting the Gross Loss Ratio related to catastrophic weather events from total Gross Loss Ratio. Catastrophic weather events include, without limitation, hurricanes, tornados, earthquakes, hailstorms, wildfires, high winds, and winter storms. Attritional Loss Ratio is a non-GAAP measure. Catastrophic Event (“CAT”) ISO’s Property Claim Services unit, the recognized authority on insured property losses, class a weather event as catastrophic when it has caused $25 million or more in total insured property industry losses, and it has affected a significant number of property and casualty policyholders and insurers. Gross Loss Ratio (“GLR”) We define Gross Loss Ratio as the Reciprocal’s gross losses divided by the gross earned premium for the respective period on an accident year basis. Gross or Direct Combined Ratio Gross or Direct Combined Ratio, being the sum of the loss ratio including loss adjustment expense and expense ratio. This is on a statutory basis for the Reciprocal. Porch Shareholder Interest On January 1, 2025, Porch Group sold its legacy homeowners insurance carrier Homeowners of America to the Reciprocal, a separate entity which is owned by its policyholder- members that is a variable interest entity (“VIE”). The Reciprocal is managed, but not owned by Porch Group, and is consolidated as a VIE for reporting purposes. Results in this presentation reference results generated for Porch shareholders (“Porch Shareholder Interest”), the businesses which Porch owns, and also consolidated which is Porch Shareholder Interest plus the Reciprocal. Porch Shareholder Interest are non-GAAP measures. Reciprocal Written Premium (“RWP”)¹ We define as the total premium written by the Reciprocal for the face value of one year’s premium gross of cancellations, plus surplus contributions and policy fees, and before deductions for reinsurance in the period. RWP excludes the impact of cancellations and premiums ceded to reinsurers and includes surplus contributions and policy fees, and, therefore, should not be used as a substitute for revenue. We use RWP to manage the business because we believe it represents the business volume generated by associated customer acquisition activities and is reflective of the competitive market position when evaluated on a per written policy basis and is a key driver of both Porch and the Reciprocal’s growth and profit opportunities. Surplus combined with non-admitted assets We define as the total policyholder surplus per statutory reporting, plus the non-admitted assets that include a portion related to Porch stock held by the Reciprocal which is applied as a discount in regulatory and statutory reporting. Notes ¹ Effective for the quarter ended September 30, 2025, we updated the definition of RWP to include surplus contributions and policy fees paid by policyholders to better reflect the total amount the consumer is expected to pay. Please refer to our Form 10-Q for the quarter ended September 30, 2025, filed with the SEC on November 5, 2025, for further details on the updated definition.

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