Colorado homeowners are in one of the country’s toughest home insurance markets. A recent report shows that rates have increased by over 100% since 2020 – the steepest increase in the country. Finding Colorado home insurance with the right balance of coverage and premium feels harder than ever. Orion180's FLEX Home Insurance is designed to meet your needs.
Why Colorado Home Insurance Is So Expensive Right Now
Colorado homeowners have faced a painful reality: the state is now the fourth most expensive in the country for home insurance.
Some of the key risk-factors driving those costs are:
- Hail damage accounts for up to 54% of insurance costs in some parts of the state. Colorado's Front Range and Eastern Plains are among the most hail-prone regions in the nation.
- Wildfire risk affects nearly half of all Colorado residents, who live in areas officially designated as wildfire-prone. And as major insurers pull back from high-risk zones, homeowners have fewer options and less control.
Standard, one-size-fits-all policies are failing Colorado homeowners, either by pricing them out entirely or by forcing them into coverage that doesn't fit their actual needs.
A Smarter Approach to Colorado Home Insurance
Orion180’s FLEX Home Insurance, already a popular option in states like Texas, Florida, and California, helps homeowners address the state’s unique conditions. Where other carriers may rely on outdated, generic risk data, Orion180 developed custom hail and wildfire risk models that account for Colorado's landscape. That means your premium is based on your actual risk.
You're in Control with FLEX
FLEX Home Insurance gives you something most Colorado home insurance policies don't: real choice.
- Build your own coverage. Start with protection from essential perils like fire and lightning, then add optional perils based on the protections you actually need — wind, hail, water damage, and more (with some mortgage-based restrictions).
- Skip what you don't need. Exclude coverages you decide you don’t need, like additional living expenses, liability, and medical payments. Add optional endorsements to protect what matters most. With scalable water damage and roof coverage, we give you options for well-maintained homes.
- Control your premium. FLEX offers a true range of deductible options — both low and high — so you can balance what you pay upfront versus what you'd pay after a claim. Add an optional co-pay for even more savings.
Prevents Water Damage with a No-Cost Smart Home Device
FLEX policyholders can receive Orion180's AWTOS Valve, valued at $499, at no cost. Part of our Auto Water Turn-Off System, this device installs on your water main line and automatically shuts off water supply if it detects an emergency. Water damage is behind one in four home insurance claims, and this system helps prevent that expensive damage before it happens.
As a FLEX policyholder, you'll also get:
- Your water damage sublimit removed
- A premium discount up to 10% (capped at $150) at your next renewal.
Learn more about AWTOS here.
More Ways to Protect Your Colorado Property
Beyond standard home insurance, Orion180 offers an ecosystem of solutions to Colorado homeowners:
- DP Landlord Insurance: Own a rental property? Whether it's rented weekly or annually, held personally, through a trust, or an LLC, Orion180's DP Landlord Insurance covers you with the same flexible, customizable approach as FLEX.
- Private Flood Insurance: Colorado flood risk is real, and federal NFIP coverage limits often fall short. Orion180's private Flood Insurance offers building coverage up to $1 million and contents coverage up to $250,000, plus loss of use, swimming pool, and more optional coverages. Premiums are based on your property's actual flood risk — not an outdated government flood zone map.
Colorado Home Insurance That Finally Works for You
You don’t have to settle for coverage that doesn't fit — or go without because the standard market has left you behind. FLEX Home Insurance from Orion180 meets Colorado homeowners where they are, with coverage options you actually control.
Get a free quote today for FLEX Home Insurance from Orion180.
