Coverage A protects your home's main structure and anything permanently attached — like the foundation, garage, porch, or built-in fixtures.
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Homeowners Insurance.
Defined by Service.
Orion180 Home Insurance is the premier solution for dependable coverage, fair pricing, and responsive service.
Understanding Home Insurance
What It Covers. Why You Need It.
Home insurance helps protect your home, what's inside it, and your financial well-being. It covers common risks like fire, wind, and theft. It also offers liability protection if someone is injured on your property. We hope you never need us. But if you do, Orion180 Home Insurance is here for you when it matters.
Our Track Record
Homeowners Count on Orion180.
Proven Stability
Orion180 protects over $100 billion in assets and holds strong financial ratings with zero state abandonment.
Premier Solutions Provider
Orion180 delivers more than a policy. We provide dependable coverage, responsive service, and tools that give you choices to keep you in control.
Out-of-This-World Experience
From quote to claim, homeowners trust us for clarity, compassion, and support that stands out.
Responsive Claims Support
With an average 14-day resolution and real human guidance, we’re here when it matters most.
Coverage Details
What Homeowners Insurance Covers.
Dwelling
Other Structures
Coverage B insures detached structures on your property, including fences, sheds, guest houses, or a detached garage used for storage or parking.
Personal Property
Coverage C includes belongings inside your home like furniture, electronics, tools, clothing, and exercise equipment. It’s everything you’d take with you if you moved.
Loss of Use
Coverage D helps with temporary living costs such as lodging, meals, and other essentials if your home becomes uninhabitable due to a covered event.
Personal Liability
Coverage E protects you if someone files a claim or lawsuit for injury or property damage on your property or caused by your actions, accidental or not.
Medical Payments
Coverage F helps cover minor medical expenses if a guest is injured at your home, regardless of who’s at fault. It’s designed for small incidents, not major claims.
What Homeowners Insurance Typically Doesn't Cover.
Wear and tear — Aging or deterioration.
Vandalism/neglect — Often excluded when vacant.
Flood — Requires separate policy. Explore coverage.
Power failures — Surges or outages.
Earthquake — Not included.
Government action — Seizure or demolition.
Maintenance issues — Mold, pests, or neglect.
War/nuclear — Not covered.
Why Choose Orion180
Premier Protection. Trusted Coverage.
Here When It Matters.
From strong financial ratings to fast and fair claims, Orion180 delivers dependable coverage you can count on. We show up when it matters most.
Stay Connected with MY180.
Manage your policy your way. MY180 gives you fast, secure access to quotes, payments, policies and claims — anytime, anywhere.
Committed for the Future.
With $100B+ in protected assets and zero state abandonment, Orion180 grows with discipline and stays invested in homeowners and communities for the long term.
Discount Opportunities
Get More From Your Coverage.
At Orion180, we help you get more from your policy. From bundling to smart home rewards, work with your agent to explore the discounts that fit your needs.
Loss-Free
Recognizes homeowners who haven’t filed a claim in recent years and show a strong history of responsible ownership.
Tree-Free Yard
Applies to homes without trees near the structure that could fall and cause damage.
Home Buyer
Designed for homeowners who purchase a policy within 12 months of buying their home.
Golden Age
Available to policy holders 60 years of age or older.
Tankless Water Heater
Rewards homes with tankless water heaters that reduce leak risk, improve safety, and offer longer-lasting performance.
Military / First Responder
For active-duty personnel, veterans, reservists, and emergency service professionals.
Protective Devices
Applies to homes with monitored burglar alarms, fire alarms, or other safety systems. Learn more about AWTOS, the Automatic Water Turn-Off System from Orion180.
FAQS
Common Questions About Homeowners Insurance.
What does a standard Orion180 Home Insurance policy cover?
An Orion180 Home Insurance policy is designed to protect you from catastrophic losses — not everyday wear and tear maintenance issues. It typically covers your home and other structures from covered perils like fire, windstorm, hail, lightning, and more. Please note: This is a general overview and does not represent a complete list of policy coverages, limitations, or exclusions. To fully understand what your specific policy covers — and to ensure it meets your individual needs — contact an Orion180 partner agent for a comprehensive review and personalized guidance.
How much coverage should I get?
Every home is different, and so is every policy. The amount of coverage you need depends on your home's size, age, location, and features. Work with an Orion180 agent to make sure you're covered without paying for more than you need.
What's NOT covered — and should I add additional protection?
Like most standard homeowners insurance policies, your Orion180 Home Insurance does not cover flood damage (unless endorsed) or routine wear and tear. It is important to understand these exclusions and consider whether additional coverage is appropriate for your needs. You may want to discuss the following options with your Orion180 agent:
- Flood insurance — available in select states through Orion180, having both home and flood insurance with the same carrier can simplify the claims process and help avoid coverage gaps.
- High-value personal property coverage — additional protection for jewelry, collectibles, and electronics, or other valuable items that may exceed standard policy limits.
Your agent can help you evaluate your specific risks and recommend the right combination of coverages to provide more complete protection.
What factors affect my premium?
Several things can impact your rate. These include where you live (disaster-safe areas may cost less), the age and quality of your roof, your claims history and insurance score, the size and condition of your home's systems, and any special features like pools or trampolines. Even pets can play a role because of the liability risks some breeds may carry.
What can homeowners do to help manage premium costs?
It is important to take responsibility for routine upkeep and preventive maintenance. Addressing small problems before they escalate can help avoid large claims in the future. Submitting frequent claims can result in higher premiums. Use your policy wisely and work with your agent to ensure it remains a sound financial protection tool.
How does Orion180 handle claims differently than other carriers?
We prioritize speed, clarity, and compassion at every step. You’ll speak directly with a live representative, not an automated system, and get guidance through the claims process with efficiency and empathy so you can focus on what matters most: rebuilding and moving forward.
How can I access my homeowners policy?
Orion180 homeowners can easily manage their policy through the MY180 platform, available via app and desktop. MY180 allows you to:
- View your policy documents
- Make premium payments
- Submit claims
- Access your agent’s contact information
- And more
MY180 helps ensure you have clear visibility and control over your insurance policy when you need it.
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See If Orion180 Home Insurance
Covers Your State.
Orion180 delivers dependable protection to homeowners nationwide.
Use our map to see if your state is covered.