Phil Gaspard focuses on North Texas as a Territory Manager at Orion180. He brings two decades of insurance experience, with a proven record of new business growth, partnership cultivation, and team coaching to drive results.
The math of homeownership has hit a historic turning point.
According to the Matic 2026 Home Insurance Trends & Predictions report, conventional home insurance now accounts for 9% of the typical monthly mortgage payment. While the industry continues to lean on conventional policy structures, this rising cost is driving significant shifts in consumer behavior:
- Seeking control: A recent Insurify report reveals that 1 in 4 homeowners feel disconnected from their coverage, viewing insurance as a mandatory expense they cannot influence.
- Prioritizing affordability: The Federal Reserve Bank of Dallas has identified "geographic sorting," where homeowners are now relocating specifically to find more sustainable insurance landscapes.
The Orion180 Difference: Innovation as the Solution
At Orion180, we believe that a safety net should secure a home, not strain a budget. While the market often defaults to one-size-fits-all requirements, we’ve engineered FLEX to be a tool for customization. We built a way for agents to help solve the “9%” issue.
Four Ways FLEX Redefines the Market:
- Customize their policy: Many carriers talk about customizing policies; Orion180 makes it a reality. Our innovative FLEX perils mean that your clients can choose what to include on their policy, with some mortgage-based restrictions. Start with basic included perils like fire and lightning, then add optional perils, including tornado, wind, hail, and more. They can also exclude Coverages D, E, and F, and select from a wide range of limits on all Coverages, for protection that actually reflects their lifestyle and property.
- Push the deductible: FLEX gives your clients real choice in their deductible, with a true range that allows them to find their exact balance of premium costs and personal risk comfort.
- Deploy the co-pay: Lower premiums without slashing essential coverage limits. Our innovative 0–30% co-pay option allows homeowners to unlock additional savings. If they need to submit a claim, the co-pay is a percentage of the loss, after the deductible is applied.
- Integrate smart mitigation: Address risk before it becomes a claim. FLEX policyholders qualify to receive an auto water shut-off valve at no cost (market value $499), part of our AWTOS smart home system, providing a high-tech solution to prevent water damage. Once installed, they get full water damage coverage, at the cost of a $10,000 sublimit.
The Consultant’s Advantage
The rise of conventional home insurance as a significant mortgage component creates a massive opportunity for the independent agent. In a market full of fixed options, the agent who offers choice and control over premiums wins.
FLEX turns you from a vendor into a consultant. You aren’t just providing a quote; you are leveraging Orion180’s innovation to deliver a customized solution that addresses the 9% statistic, securing both the home and the household budget.
Lead the market with the FLEX advantage.
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