Answers Homeowners Can Count On.
Explore our Frequently Asked Questions to help homeowners understand coverage, manage claims, and discover premium savings.
Common Questions and Answers.
We insure:
- Single-family homes that are owner-occupied and deeded to the first named insured
- Townhomes and duplexes (owner-occupied)
- Seasonal or secondary residences (non-rental)
Please consult with a local agent or Orion180 Customer Service to confirm based on your location.
Our standard policy includes coverage for:
- Wind, hurricane, hail, tornado, and all other perils (AOP)
- Fire, theft, and vandalism
- Optional endorsements available for added protection
Yes. Popular add-ons include:
- Special Computer Coverage
- Personal Property Replacement Cost
- Water Back-Up & Sump Pump Overflow
- Loss Assessment
- Swimming Pool & Hot Tub Liability
No. Standard homeowners insurance does not cover flood damage. Flood insurance is available as a separate policy.
Deductibles vary by state and peril:
- Wind/Hurricane/Hail/Tornado: 2% to 10% of Coverage A
- AOP: $500, $1,000, $2,500, or 1% to 10%
Yes! You may qualify for:
- Renewal Discount
- Loss-Free Discount
- Military/Affinity Discount
- Protective Device Discount
- E-Policy Discount
- Choose a higher deductible
- Install protective devices (AWTOS, alarms, smoke detectors, etc.)
- Stay claims-free
Provide some basic information here, and we'll connect you with an Orion180 partner agent who can create a quote for your specific property and coverage needs.
You can file a claim online 24/7 or call (866) 590-3550 to speak with our Claims Team.
Start With the Right Solution.