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  <xs:element id="prch_RedeemableNoncontrollingInterestEquityReciprocalSubscriberContributions" abstract="false" name="RedeemableNoncontrollingInterestEquityReciprocalSubscriberContributions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_RedeemableNoncontrollingInterestEquityEarnedReciprocalSubscriberContributions" abstract="false" name="RedeemableNoncontrollingInterestEquityEarnedReciprocalSubscriberContributions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_CommonStockHeldBySubsidiaryShares" abstract="false" name="CommonStockHeldBySubsidiaryShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="prch_ChangeInFairValueOfEarnoutLiabilityAndDerivatives" abstract="false" name="ChangeInFairValueOfEarnoutLiabilityAndDerivatives" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_NonCashInterestExpense" abstract="false" name="NonCashInterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_IncreaseDecreaseInLossAndLossAdjustmentExpenseReserve" abstract="false" name="IncreaseDecreaseInLossAndLossAdjustmentExpenseReserve" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_IncreaseDecreaseInRefundableCustomerDeposits" abstract="false" name="IncreaseDecreaseInRefundableCustomerDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_PaymentsForProceedsFromInvestmentsAcquired" abstract="false" name="PaymentsForProceedsFromInvestmentsAcquired" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_NonCashAdditionsOfInternallyDevelopedSoftware" abstract="false" name="NonCashAdditionsOfInternallyDevelopedSoftware" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_OtherInsuranceLiabilitiesCurrentTableTextBlock" abstract="false" name="OtherInsuranceLiabilitiesCurrentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="prch_ContractWithCustomerContractAssetsTableTextBlock" abstract="false" name="ContractWithCustomerContractAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="prch_ScheduleOfCommonStockReservedForFutureIssuanceTableTextBlock" abstract="false" name="ScheduleOfCommonStockReservedForFutureIssuanceTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="prch_ShareBasedPaymentArrangementOptionAndRestrictedStockUnitAndPerformanceRestrictedStockUnitActivityTableTextBlock" abstract="false" name="ShareBasedPaymentArrangementOptionAndRestrictedStockUnitAndPerformanceRestrictedStockUnitActivityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="prch_ScheduleOfReinsuranceRecoverableTableTextBlock" abstract="false" name="ScheduleOfReinsuranceRecoverableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="prch_NumberOfCompaniesServiceProvided" abstract="false" name="NumberOfCompaniesServiceProvided" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="prch_TopFourReinsurersMember" abstract="true" name="TopFourReinsurersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_TopFiveReinsurersMember" abstract="true" name="TopFiveReinsurersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_CustomersInTexasMember" abstract="true" name="CustomersInTexasMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ReinsurersAMember" abstract="true" name="ReinsurersAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ReinsurersBMember" abstract="true" name="ReinsurersBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ReinsurersCMember" abstract="true" name="ReinsurersCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ReinsurersDMember" abstract="true" name="ReinsurersDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ReinsurersEMember" abstract="true" name="ReinsurersEMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ParentIncludingVariableInterestEntityPrimaryBeneficiaryMember" abstract="true" name="ParentIncludingVariableInterestEntityPrimaryBeneficiaryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_RestrictedCashPledgedAsCollateralToCaptiveInsuranceCompany" abstract="false" name="RestrictedCashPledgedAsCollateralToCaptiveInsuranceCompany" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_RestrictedFundsHeldForPaymentOfPossibleWarrantyClaimsCurrent" abstract="false" name="RestrictedFundsHeldForPaymentOfPossibleWarrantyClaimsCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_BusinessCombinationConsiderationTransferredOther" abstract="false" name="BusinessCombinationConsiderationTransferredOther" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_NumberOfStatesRegulatoryGuidelinesOfWarrantyClaims" abstract="false" name="NumberOfStatesRegulatoryGuidelinesOfWarrantyClaims" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="prch_ReinsuranceAndAgentsCommissionPayable" abstract="false" name="ReinsuranceAndAgentsCommissionPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_InsuranceServicesMember" abstract="true" name="InsuranceServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_SoftwareDataMember" abstract="true" name="SoftwareDataMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ConsumerServicesMember" abstract="true" name="ConsumerServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ReciprocalSegmentMember" abstract="true" name="ReciprocalSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_NonOperatingInterestIncomeExpenseOnIntercompanySurplusNotes" abstract="false" name="NonOperatingInterestIncomeExpenseOnIntercompanySurplusNotes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_SegmentAdjustedEBITDA" abstract="false" name="SegmentAdjustedEBITDA" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_DepreciationDepletionAndAmortizationAdjusted" abstract="false" name="DepreciationDepletionAndAmortizationAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_ReportableSegmentMember" abstract="true" name="ReportableSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_AdjustedInterestExpenseNonoperating" abstract="false" name="AdjustedInterestExpenseNonoperating" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_AdjustedShareBasedPaymentArrangementExpense" abstract="false" name="AdjustedShareBasedPaymentArrangementExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_AdjustedIncomeTaxExpenseBenefit" abstract="false" name="AdjustedIncomeTaxExpenseBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_SurplusNotesOutstanding" abstract="false" name="SurplusNotesOutstanding" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_TransactionalMember" abstract="true" name="TransactionalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_RecurringMember" abstract="true" name="RecurringMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_InsuranceCarrierMember" abstract="true" name="InsuranceCarrierMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_InsuranceServicesAndReciprocalSegmentMember" abstract="true" name="InsuranceServicesAndReciprocalSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ContractWithCustomerAssetAfterAllowanceForCreditLossCurrentRollForward" abstract="true" name="ContractWithCustomerAssetAfterAllowanceForCreditLossCurrentRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="prch_ContractWithCustomerAssetIncreaseNewPoliciesSold" abstract="false" name="ContractWithCustomerAssetIncreaseNewPoliciesSold" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_ContractWithCustomerAssetDecreaseCashReceipt" abstract="false" name="ContractWithCustomerAssetDecreaseCashReceipt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_ContractWithCustomerWriteOffsOfUncollectibleAccounts" abstract="false" name="ContractWithCustomerWriteOffsOfUncollectibleAccounts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_WarrantyClaimsExpense" abstract="false" name="WarrantyClaimsExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_ContractWithCustomerLiabilityRevenueRecognizedExcludingOpeningBalance" abstract="false" name="ContractWithCustomerLiabilityRevenueRecognizedExcludingOpeningBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_ContractWithCustomerLiabilityAdditions" abstract="false" name="ContractWithCustomerLiabilityAdditions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_RefundableCustomerDepositsRelatedToOutstandingExtendedServiceContractsCurrent" abstract="false" name="RefundableCustomerDepositsRelatedToOutstandingExtendedServiceContractsCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_RefundableCustomerDepositsRelatedToAmountsReceivedInAdvanceOfWarrantyServicesProvidedCurrent" abstract="false" name="RefundableCustomerDepositsRelatedToAmountsReceivedInAdvanceOfWarrantyServicesProvidedCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_RefundableCustomerDepositsRelatedToAmountsReceivedInAdvanceOfWarrantyServicesProvidedNoncurrent" abstract="false" name="RefundableCustomerDepositsRelatedToAmountsReceivedInAdvanceOfWarrantyServicesProvidedNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_RealizedInvestmentGains" abstract="false" name="RealizedInvestmentGains" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_RealizedInvestmentLoss" abstract="false" name="RealizedInvestmentLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_OtherLoanBackedAndStructuredSecuritiesMember" abstract="true" name="OtherLoanBackedAndStructuredSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ResidentialWarrantyServicesMember" abstract="true" name="ResidentialWarrantyServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_MeasurementInputFundamentalChangeMember" abstract="true" name="MeasurementInputFundamentalChangeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_MeasurementInputQualifyingAssetSalesMember" abstract="true" name="MeasurementInputQualifyingAssetSalesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_MeasurementInputProbabilitiesOfRepurchaseMember" abstract="true" name="MeasurementInputProbabilitiesOfRepurchaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_DerivativeOptionAxis" abstract="true" name="DerivativeOptionAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="prch_DerivativeOptionDomain" abstract="true" name="DerivativeOptionDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_RepurchaseOptionMember" abstract="true" name="RepurchaseOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_FundamentalChangeOptionMember" abstract="true" name="FundamentalChangeOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_AssetSaleRepurchaseOptionMember" abstract="true" name="AssetSaleRepurchaseOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_DerivativeFeatureAxis" abstract="true" name="DerivativeFeatureAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="prch_DerivativeFeatureDomain" abstract="true" name="DerivativeFeatureDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_AdditionalInterestMember" abstract="true" name="AdditionalInterestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ParticipationFeatureMember" abstract="true" name="ParticipationFeatureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_BusinessCombinationContingentConsiderationLiabilityRemainingTerm" abstract="false" name="BusinessCombinationContingentConsiderationLiabilityRemainingTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="prch_MinimumAmountOfConvertibleNotesRemainedOutstandingForRepurchase" abstract="false" name="MinimumAmountOfConvertibleNotesRemainedOutstandingForRepurchase" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_DebtInstrumentRedemptionPricePrincipalAmount" abstract="false" name="DebtInstrumentRedemptionPricePrincipalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_MinimumAmountOfAggregateNetCashSaleProceedsRequiredForRepurchaseOfNotes" abstract="false" name="MinimumAmountOfAggregateNetCashSaleProceedsRequiredForRepurchaseOfNotes" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_PercentageOfAggregateNetCashSaleProceedsAppliedForRepurchaseOfNotes" abstract="false" name="PercentageOfAggregateNetCashSaleProceedsAppliedForRepurchaseOfNotes" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prch_AssetSaleRepurchaseOptionAmount" abstract="false" name="AssetSaleRepurchaseOptionAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_AssetSaleRepurchaseOptionRemainingAmount" abstract="false" name="AssetSaleRepurchaseOptionRemainingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_DebtInstrumentConvertibleAdditionalInterestDerivativeValue" abstract="false" name="DebtInstrumentConvertibleAdditionalInterestDerivativeValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_StockholdersEquityDistributionValueOfParticipationFeature" abstract="false" name="StockholdersEquityDistributionValueOfParticipationFeature" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_ContingentlyIssuableSharesInConnectionWithAcquisitionsMember" abstract="true" name="ContingentlyIssuableSharesInConnectionWithAcquisitionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_PrivateWarrantLiabilityMember" abstract="true" name="PrivateWarrantLiabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_SeniorUnsecuredConvertibleNotesDue2026Member" abstract="true" name="SeniorUnsecuredConvertibleNotesDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ConvertibleSeniorSecuredNotesDue2028Member" abstract="true" name="ConvertibleSeniorSecuredNotesDue2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_SeniorUnsecuredConvertibleNotesDue2030Member" abstract="true" name="SeniorUnsecuredConvertibleNotesDue2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_SoftwareAndComputerEquipmentMember" abstract="true" name="SoftwareAndComputerEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_FurnitureOfficeEquipmentAndOtherMember" abstract="true" name="FurnitureOfficeEquipmentAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_PropertyEquipmentSoftwareMember" abstract="true" name="PropertyEquipmentSoftwareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_RenewalRightsMember" abstract="true" name="RenewalRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_InsuranceLicensesMember" abstract="true" name="InsuranceLicensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_FiniteLivedIntangibleAssetsAccumulatedAmortizationAndImpairment" abstract="false" name="FiniteLivedIntangibleAssetsAccumulatedAmortizationAndImpairment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_IntangibleAssetAcceleratedAmortizationExpense" abstract="false" name="IntangibleAssetAcceleratedAmortizationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_ImpairmentEffectOnNetIncomeLossAfterTax" abstract="false" name="ImpairmentEffectOnNetIncomeLossAfterTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_ImpairmentEffectOnEarningsPerShareAfterTaxBasic" abstract="false" name="ImpairmentEffectOnEarningsPerShareAfterTaxBasic" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="prch_ImpairmentEffectOnEarningsPerShareAfterTaxDiluted" abstract="false" name="ImpairmentEffectOnEarningsPerShareAfterTaxDiluted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="prch_SeniorSecuredConvertibleNotes6.75Due2028Member" abstract="true" name="SeniorSecuredConvertibleNotes6.75Due2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_DebtInstrumentIssuePricePercentage" abstract="false" name="DebtInstrumentIssuePricePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prch_DebtInstrumentRedemptionPriceConvertibleConversion" abstract="false" name="DebtInstrumentRedemptionPriceConvertibleConversion" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="prch_DebtInstrumentRedemptionPrincipalAmount" abstract="false" name="DebtInstrumentRedemptionPrincipalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_DebtInstrumentRedemptionRateStatedPercentage" abstract="false" name="DebtInstrumentRedemptionRateStatedPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prch_DebtInstrumentConvertibleThresholdConsecutiveBusinessDays" abstract="false" name="DebtInstrumentConvertibleThresholdConsecutiveBusinessDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="prch_DebtInstrumentConvertibleThresholdConsecutiveTradingDayPeriod" abstract="false" name="DebtInstrumentConvertibleThresholdConsecutiveTradingDayPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="prch_DebtInstrumentPrincipalAmountDenominationForConversionIntoCommonStock" abstract="false" name="DebtInstrumentPrincipalAmountDenominationForConversionIntoCommonStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_DebtInstrumentConvertibleThresholdSalePriceOfCommonStockConversionRateProductPercentageMaximum" abstract="false" name="DebtInstrumentConvertibleThresholdSalePriceOfCommonStockConversionRateProductPercentageMaximum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prch_DebtInstrumentConditionalThresholdConversionRatio" abstract="false" name="DebtInstrumentConditionalThresholdConversionRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="prch_CommonStockWarrantsMember" abstract="true" name="CommonStockWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_A2020StockIncentivePlanMember" abstract="true" name="A2020StockIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_SeniorSecuredConvertibleNotesDue2028Member" abstract="true" name="SeniorSecuredConvertibleNotesDue2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_CommonStockSharesOtherThanEarnoutSharesOutstanding" abstract="false" name="CommonStockSharesOtherThanEarnoutSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="prch_CommonSharesReservedForFutureIssuanceAbstract" abstract="true" name="CommonSharesReservedForFutureIssuanceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="prch_CommonStockSharesOutstandingAndReservedForFutureIssuance" abstract="false" name="CommonStockSharesOutstandingAndReservedForFutureIssuance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="prch_CappedCallTransactionsStrikePrice" abstract="false" name="CappedCallTransactionsStrikePrice" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="prch_A2026ShareRepurchaseProgramMember" abstract="true" name="A2026ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_PerformanceRestrictedStockUnitsPRSUsMember" abstract="true" name="PerformanceRestrictedStockUnitsPRSUsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ReinsurancePropertyCatastropheTreatiesMember" abstract="true" name="ReinsurancePropertyCatastropheTreatiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ReinsuranceQuotaShareProgramMember" abstract="true" name="ReinsuranceQuotaShareProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_NonCatastrophicWeatherQuotaShareMember" abstract="true" name="NonCatastrophicWeatherQuotaShareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ReinsuranceContractTerm" abstract="false" name="ReinsuranceContractTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="prch_CededPremiumWritten" abstract="false" name="CededPremiumWritten" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_ReinsuranceRecoverableNet" abstract="false" name="ReinsuranceRecoverableNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_ReinsuranceRecoverableOthers" abstract="false" name="ReinsuranceRecoverableOthers" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_OtherNonoperatingIncomeExpenseMiscellaneous" abstract="false" name="OtherNonoperatingIncomeExpenseMiscellaneous" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_NumberOfLegalProceeding" abstract="false" name="NumberOfLegalProceeding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="prch_LossContingencyNumberOfDismissedPlaintiffs" abstract="false" name="LossContingencyNumberOfDismissedPlaintiffs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="prch_LossContingencyNumberOfRemainingPlaintiffs" abstract="false" name="LossContingencyNumberOfRemainingPlaintiffs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="prch_DilutiveSecuritiesEffectOfInterestExpense" abstract="false" name="DilutiveSecuritiesEffectOfInterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prch_PublicAndPrivateWarrantsMember" abstract="true" name="PublicAndPrivateWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ConvertibleDebt2026Member" abstract="true" name="ConvertibleDebt2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ConvertibleDebt2028Member" abstract="true" name="ConvertibleDebt2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_ConvertibleDebt2030Member" abstract="true" name="ConvertibleDebt2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_MatthewNeagleMember" abstract="true" name="MatthewNeagleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prch_AmandaReiersonMember" abstract="true" name="AmandaReiersonMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
