How FlexLuxe Brings Innovation into the High Value Home Market Space
There is a meaningful gap in homeowners insurance for properties that require $2 million to $5 million in Coverage A. These homes can exceed the practical limits of standard products without necessarily requiring the breadth, complexity, or expense of a traditional private-client program.
FlexLuxe was built for that space. Orion180 ® has created a customizable, prevention-oriented solution between standard homeowners coverage and full private-client programs.
High-value homes create different insurance problems, not simply larger ones. Custom materials, specialized craftsmanship, and architectural detail can make reconstruction far more expensive and difficult to estimate. Verisk found average reconstruction costs above $500 per square foot in a sample of luxury homes—28% higher than estimates for more common custom and premium homes.
Precision Matters More as Stakes Rise
Those costs are still moving. U.S. residential reconstruction costs rose 3.5% year over year through October 2025, with increases in every state, according to Verisk. For a high-value homeowner, that creates a problem. The cost to rebuild after a loss may outrun the assumptions made when the policy was written.
FlexLuxe helps address this exposure with a 50% replacement-cost option designed to provide additional protection against reconstruction-cost increases. That is the point of the product’s broader design: not simply to raise limits, but to give agents more precision where higher-value properties create greater uncertainty.
Deductibles and coverage can be tailored to the individual risk; trust and LLC ownership can be accommodated; valuable personal property can be scheduled; and optional protection can address exposures such as cyber and solar panels. An automatic water shut-off system, provided at no cost, also builds prevention into the policy itself.
That prevention matters. Water damage and freezing generated average homeowners claim severity of about $15,400 from 2019–2023. In a home with custom finishes and specialized materials, preventing a small leak from becoming a major loss can carry even greater value.
A Better Fit for a Distinct Market
The logic is deliberate with Orion180’s FlexLuxe innovation. We shape coverage where the risk is individual, strengthen protection where loss severity can escalate, and prevent damage where technology can intervene.
FlexLuxe carries the same precision into the client experience. Dedicated customer experience and claims teams bring specialized human support to homeowners whose properties and expectations demand greater attention.
This is not an attempt to recreate every feature of a traditional private-client program. It is a disciplined answer to a specific need: more flexibility than standard coverage, with protection designed around the realities of higher-value homes.
FlexLuxe gives that underserved space a purpose-built option, bringing greater precision, stronger reconstruction protection, and thoughtful loss prevention to homes that demand a more tailored approach.
Insurance products are underwritten by Orion180 Insurance Company. Product availability varies by state and is subject to underwriting guidelines and the terms, conditions, and exclusions of the applicable policy.
