Continuing to push beyond limits as we achieve our bold vision, Orion180 is expanding our footprint in Colorado. Agents and homeowners in the Rocky Mountain State will soon have a better insurance experience, with a suite of customizable products: our innovative FLEX Home Insurance, DP Landlord Insurance, Private Flood Insurance, and Jewelry Insurance.
If you have a presence in Colorado, our policies are the solution your clients have been looking for. We’ve created something engineered to solve pain points, with custom hail and wildfire risk modeling, true choice in coverage, and a range of tools to control premium costs. Join us as we create something truly out of this world.
The Colorado Challenge
Colorado’s insurance market is currently defined by a 100% spike. Between 2018 and 2024, homeowners' rates across the state doubled, leaving the average resident facing steep annual premiums. In high-risk fire zones, that number can peak at more than $15,000.
Here’s the reality Colorado clients face:
Hail: Hail is the leading driver of insurance costs in the state, accounting for up to 54% of premiums in some areas.
Wildfires: Nearly half of the state's population live in areas that are designated at risk for wildfires.
Rigidity: Standard carriers are tightening underwriting and exiting regions, forcing more homeowners into restrictive markets. Colorado has the fourth most expensive home insurance in the country.
The logic is simple: traditional, unyielding policies are failing Colorado homeowners.
Transforming the Industry
Crucial for Colorado agents, we’ve developed a custom hail risk model. Where other carriers may use outdated, generic reports, our precision approach is designed to accurately capture risk and deliver relief.
Our team is also using a custom wildfire risk model, which has already offered relief to California homeowners. Orion180 has a track record of using innovation to open up key markets, and we’re eager to bring our transformative solutions to Colorado.
Why FLEX Wins in the West
Orion180’s FLEX Home Insurance doesn't just offer coverage, it offers control. In a state where one-size-fits-all is no longer affordable, FLEX allows you to craft a policy that fits the specific profile of each client.
Modular precision: FLEX offers optional perils, a unique feature that lets you empower clients. Start with the essentials, like fire and lightning, then selectively add perils like wind, hail, and water damage, with some mortgage-based restrictions.
Targeted risk management: Exclude Coverages D, E, and F, and help them protect what matters most with optional endorsements. Offer the protection they need, with nothing they don’t.
Tools for Premium Control: FLEX policies offer a real range in deductibles, with true low and high options. Unlock extra savings for clients with the optional co-pay. All ways you can help clients balance upfront costs and long-term savings.
Offer a Smart Home Device At No Cost AWTOS, our proprietary Auto Water Turn-Off System, prevents costly water damage before it happens. That’s why we offer FLEX policyholders the AWTOS Valve, market value $499, AT NO COST. We’ll also remove their water damage sublimit, and give them a premium discount up to 10% (capped at $150), on their next renewal.
A Complete Ecosystem for the Colorado Lifestyle
While our FLEX Home Insurance is the cornerstone of our Colorado offering, we’ll be offering a range of products that give your clients customization, choice, and service.
DP Landlord Insurance is the latest addition to our Orion180 portfolio. Designed for rental property owners, DP Landlord goes beyond one size fits all. You can give clients the same optional peril choices as FLEX, and exclude everything except the Dwelling coverage. Wide deductible ranges and the optional co-pay apply here as well, and our eligibility is designed to fit with their revenue strategies. We accept homes rented on a weekly to annual basis, held by individuals, trusts, and LLCs/corporations.
Our Flood Insurance gives clients more coverage options, with precision pricing and a better experience. Building coverage up to $1 million and contents up to $250,000 fit the reality of today’s landscape, unlike outdated NFIP limits. Clients can also get loss of use and swimming pool coverage. Our precision pricing model ensures that their premium is based on their actual flood risk, not an outdated flood zone map.
Backed by Jeweler’s Mutual, Orion180 Jewelry Insurance offers coverage for their entire collection. That protection follows them on their travels, and extends to loss, theft, and even mysterious disappearance.
A New Standard for the High Country
Colorado needs an insurance partner that respects the complexity of its market. By combining data-driven precision with the customizable DNA of our entire product range, we empower agent partners to build a resilient book of business.
This is Orion180: Smart. Human. Limitless. Partner with us today.
