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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 13, 2026

PORCH GROUP, INC.

(Exact name of registrant as specified in its charter)

Delaware

001-39142

84-2587663

(State or other jurisdiction

of incorporation)

(Commission File Number)

(IRS Employer

Identification No.)


411 1st Avenue S., Suite 501
Seattle, Washington	98104
(Address of principal executive offices)	(Zip Code)

(855) 767-2400

(Registrant’s telephone number, including area code)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


o	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange

on which registered

Common stock, par value $0.0001

PRCH

The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company o

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

1.01. Entry into a Material Definitive Agreement.

On October 13, 2026, Porch Reciprocal Exchange, which Porch Group, Inc. (the “Company” or “Porch”) manages and operates as its attorney-in-fact (the “Reciprocal”), and Porch, through its wholly owned subsidiary, Homeowners of America Holding Corporation (“HOA Holdco” and, together with the Reciprocal, the “Buyers”), entered into a Stock and Membership Interest Purchase Agreement (the “Purchase Agreement”) with Allied Trust Holdings, LLC, a Delaware limited liability company (the “Seller”).

根据购买协议，在交割（“交割”）时，（i）互惠公司（The Reciprocal）将从卖方处收购Allied Trust Insurance Company（一家德克萨斯州注册的财产和意外险保险公司，“ATIC”）已发行和流通的全部普通股股份，以及（ii）HOA Holdco将从卖方处收购Allied Underwriters LLC（ATIC的管理总代理，“AU MGA”）的全部会员权益，以及Lonestar Lagniappe Reinsurance Holdings, LLC（ATIC的自保再保险公司，“Lonestar”）的全部会员权益（统称为“收购”）。

对价；Porch股份的使用

根据购买协议，应付对价为2亿美元，具体调整如下所述。互惠公司将向卖方支付1.05亿美元以收购ATIC股份，其中包括交割时支付的5500万美元，以及在交割后12个月内分12次大致相等的月付金额，或由互惠公司自行决定提前支付（“延期付款”）。HOA Holdco将在交割时向卖方支付9500万美元以收购AU MGA和Lonestar的会员权益。

交割时应付金额将根据相关收购公司的估计交割债务进行调整。此外，互惠公司交割时应付的5500万美元将根据交割时ATIC的调整后法定盈余进行调整，该盈余以约6020万美元为基准，若盈余超过基准则按美元对美元增加，若低于基准则按1.66倍减少。

HOA Holdco可以选择用Porch普通股（“普通股”）支付最多2000万美元的交割对价，其余部分以现金支付；互惠公司可以选择用普通股支付最多5000万美元的延期付款。代表HOA Holdco发行的股份预计为新发行股份，而互惠公司交付的股份预计来自其现有持股。股份数量将基于相关付款日前一个交易日的纳斯达克收盘价确定。购买协议要求公司注册这些股份以供转售。

公司或互惠公司发行或交付的任何普通股股份将依据1933年《证券法》（经修订）第4(a)(2)条提供的注册豁免进行。目前，互惠公司持有的普通股股份在特拉华州法律下不享有投票权或计入法定人数。在转让给卖方后，这些股份将不再受此类限制。目前尚无法确定可交付的股份数量，这将取决于普通股在相关确定日期的交易价格，以及互惠公司是否选择以现金支付。

其他条款

购买协议包含常规的陈述、保证和承诺，包括期间运营承诺和寻求必要监管批准的义务。公司预计将以2000万美元的陈述与保证保险作为覆盖违约的主要赔偿来源。购买协议还为某些特殊保证和承诺违约提供了额外的赔偿。

交割需满足常规条件，包括获得德克萨斯州保险部的必要批准。交割不会早于2027年1月1日，公司目前预计收购将在2027年第一季度完成。购买协议可通过双方同意终止，或在2027年4月1日或之前未完成交割时由任一方终止，或在非违约方在未纠正的违约行为导致交割条件失败后终止，每种情况均受购买协议中规定的限制。

以上对购买协议的描述并非完整，其全部内容以购买协议的全文为准，该全文作为本最新报告的附件2.1提交，并在此引用。

第3.02项。未注册的股权证券销售。

在“对价；Porch股份的使用”下的第1.01项中所述信息已引用至本第3.02项。

第7.01项。根据法规FD的披露。

2026年10月13日，公司发布了一则新闻稿，宣布签署购买协议和收购。该新闻稿作为附件99.1提交，并引用至本第7.01项。

本第7.01项中包含的信息（包括本附件99.1）是根据8-K表格第7.01项提供的，不得视为根据1934年《证券交易法》第18条“提交”或受该条的任何责任约束，也不得视为根据《证券法》或《证券交易法》提交的任何文件中的引用内容，无论任何此类文件中包含的任何一般性引用语言如何。

关于前瞻性声明的警示说明

本8-K表格的最新报告包含根据联邦证券法定义的前瞻性声明，包括关于收购预期时间表和完成情况、所需监管批准的获得、购买协议下应付对价的金额和形式以及收购预期效益的声明。前瞻性声明并非业绩保证，受各种风险和不确定性的制约，包括获得监管批准或满足交割条件的延迟或失败；购买协议的终止；以及公司筹集所需付款的能力。它们还包括普通股交易价格的波动、整合风险、未能实现预期效益以及灾难或严重天气暴露，以及其他在公司2025年年度报告10-K表格第I部分第1A项“风险因素”中描述的风险以及后续向证券交易委员会提交的文件。您不应过度依赖前瞻性声明，这些声明仅反映本文件日期的情况。除法律要求外，公司不承担更新任何前瞻性声明的义务。

第9.01项。财务报表和附件。

（d）附件。


附件编号		描述
2.1†+		股票和会员权益购买协议，日期为 10月13日，由美国业主控股公司、Porch保险互惠交换公司和联合信托控股公司有限责任公司之间签订。
99.1*		P ress Release 由Porch 集团公司发布，日期为10月13日，2026年。
104		封面页面交互数据文件（嵌入在Inline XBRL文档中）

† 随本文件一同提交。

+ 根据S-K条例第601(a)(5)项的规定，本协议的部分附表和附录已省略。注册人同意在要求时另行提供任何省略的附表或附录的副本。

* 随本文件一同提交。

签名

根据1934年证券交易法的要求，注册人已 duly 促使本报告由此处 duly 授权的人员代表其签署。


PORCH GROUP, INC.

由：	/s/ Shawn Tabak
	姓名：	Shawn Tabak
	职位：	首席财务官

日期：2026年10月13日

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