Coverage A protects your home’s main structure and anything permanently attached — like the foundation, garage, porch, or built-in fixtures.
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FLEX Home Insurance.
Coverage on Your Terms.
FLEX Homeowners Insurance from Orion180 puts you in control — letting you choose your coverage, adjust your deductible, and lock in pricing that works for you.
UNDERSTANDING FLEX HOMEOWNERS INSURANCE
How It Works. Why It’s Different.
FLEX is Orion180’s customizable homeowners insurance solution. It lets you adjust coverages, limits, and deductibles to better fit your needs and goals. Whether you're in a high-risk area or just want more transparency, FLEX puts you in control of your home protection.
Why Choose FLEX Homeowners Insurance
More Choice. Smarter Coverage.
Coverage You Configure
Start with basics like fire and lightning. Add wind, storm, or water coverage based on your needs and location.
You Set the Terms
Choose deductible and copay levels that fit your budget and risk comfort, giving you more control over costs.
Roof Options That Fit
Select Replacement Cost, Actual Cash Value, or Stated Value based on your roof’s structure, age, and condition.
Earn More Over Time
Stay claim-free and you may earn rewards like premium refunds or deductible savings at renewal.
Lock In Your Rate
Keep your premium steady for two full terms — helping you avoid surprises and plan with confidence.
Lower Costs, More Control
Optional copay features help lower your premium while providing dependable protection that meets your needs.
Coverage Details
What FLEX Homeowners Insurance Covers.
Dwelling
Other Structures
Coverage B insures detached structures on your property, including fences, sheds, guest houses, or a separate garage used for storage or parking.
Personal Property
Coverage C includes belongings inside your home like furniture, electronics, tools, clothing, and exercise equipment. It’s everything you’d take with you if you moved.
Loss of Use
Coverage D helps with temporary living costs such as lodging, meals, and other essentials if your home becomes uninhabitable due to a covered event.
Personal Liability
Coverage E protects you if someone files a claim or lawsuit for injury or property damage on your property or caused by your actions.
Medical Payments
Coverage F helps cover minor medical expenses if a guest is injured at your home, regardless of who’s at fault. It’s designed for small incidents, not major claims.
What Homeowners Insurance Typically Doesn't Cover.
Wear and tear — Aging or deterioration.
Flood — Requires separate policy. Explore coverage.
Earthquake — Not included.
Maintenance issues — Mold, pests, or neglect.
Vandalism/neglect — Often excluded when vacant.
Power failures — Surges or outages.
Government action — Seizure or demolition.
War/nuclear — Not covered.
Why Choose Orion180
Premier Solutions.
Dependable Coverage.
Here When It Matters.
From strong financial ratings to fast, responsive claims, Orion180 delivers dependable coverage you can always count on. We show up in times of need.
Stay Connected with MY180.
Manage your policy your way. MY180 gives you fast, secure access to payments, policies and claims — anytime, anywhere.
Committed for the Future.
With over $100 billion in protected assets and zero state abandonment, Orion180 grows with discipline and stays invested in homeowners and communities for the long term.
Discount Opportunities
Get More From Your Coverage.
At Orion180, we help you get more from your policy. Work with your agent to explore the discounts that fit your needs.
Loss-Free
Recognizes homeowners who haven’t filed a claim in recent years.
Tree-Free Yard
Applies to homes without trees near the structure that could fall and cause damage.
Home Buyer
Designed for homeowners who purchase a policy within 12 months of buying their home.
Golden Age
Available to policyholders 60 years of age or older.
Tankless Water Heater
Rewards homes with tankless water heaters that reduce leak risk.
Military / First Responder
For active-duty personnel, veterans, reservists, and emergency service professionals.
Protective Devices
Applies to homes with monitored burglar alarms, fire alarms, or other safety systems. Learn more about AWTOS, the Automatic Water Turn-Off System from Orion180.
FAQs
Common Questions About FLEX Homeowners Insurance.
What is Orion180’s FLEX Homeowners insurance?
Orion180 FLEX is an industry-changing homeowners insurance product built to offer more customization and control than a traditional policy. FLEX uses advanced risk modeling to provide coverage and pricing options based on your home’s specific characteristics and your personal risk tolerance.
How is FLEX different from a traditional homeowners insurance policy?
Traditional homeowners policies offer a standard structure of coverages and deductible options. FLEX provides you with options — you can adjust key elements of your policy to reflect how you want to manage risk and premium. FLEX also enables Orion180 to offer insurance solutions in challenging markets where other carriers often limit coverage.
Why did Orion180 create FLEX?
The insurance market is evolving rapidly, with rising costs and increasing weather-related risks. FLEX was developed to give homeowners a modern insurance option that meets today's needs — balancing flexibility, affordability, and dependable protection.
How does FLEX put you in control of your policy?
FLEX makes it easy to customize key parts of your coverage, including:
- Coverage A (dwelling coverage): Ensure your home is insured for the right rebuild value.
- Deductible options: Choose higher or lower deductibles to manage out-of-pocket costs.
- Coverage limits: Adjust personal property and liability limits to match your household’s needs.
- Optional endorsements: Add protection where it matters most to you.
Who is FLEX designed for?
FLEX is built for homeowners who want more choice and transparency in how they manage risk — especially in today’s unpredictable insurance market. FLEX is a smart choice if you are:
- A value-conscious homeowner who wants to make informed trade-offs between coverage and premiums. A person who wishes to avoid paying for coverage which may not be needed.
- Living in a market with limited insurance options — FLEX provides coverage availability where traditional carriers may have stopped writing new policies.
- Financially savvy buyers — who understand their home's risks and want the ability to fine-tune deductibles and coverage amounts based on their personal risk tolerance and budget.
- A buyer of a newer or well-maintained home — FLEX often provides more attractive options for newer homes, lower-risk properties, or homes with strong maintenance records — allowing you to benefit from responsible homeownership.
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See If FLEX Homeowners Insurance Covers Your State.
Orion180 delivers dependable protection to homeowners across the country. Use our map to see if your state is covered.