Expansive coverage, ready when needed. Fast approvals and dependable protection for lender needs and rising risks.
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Serving Homeowners
Across Colorado.
Orion180 delivers dependable flood insurance to homeowners across Colorado — with responsive claims, flexible coverage, and support you can count on from day one.
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Dependable Protection For Colorado Homes.
From blizzards in the mountains to thunderstorms on the plains, Colorado weather keeps homeowners on alert. Orion180 provides dependable flood insurance built for year-round protection, backed by responsive claims and service you can count on.
COVERAGE AVAILABLE
Products And Solutions For Colorado Homeowners.
Flood Insurance
Jewelry Insurance
Dependable protection for priceless treasures. Go beyond your policy with coverage for jewelry and valuables that matter.
Smart Technology
AI-enabled devices that help stop damage before it starts — monitoring, detecting, and protecting your home in real time.
FAQs
Common Questions About Homeowners Insurance In Colorado.
Does my homeowners insurance cover flood damage?
No. Standard homeowners insurance covers internal water damage (like burst pipes), but not flooding from outside (rain, rivers, storm surge, street flooding). Flood insurance is a separate policy.
What does flood insurance cover?
It covers damage from rising water — heavy rain, overflowing rivers, storm surge, or rapid snowmelt. Orion180’s policy protects your home’s structure, belongings, and may include living expenses if your home is uninhabitable.
Do I need flood insurance if I’m not in a flood zone?
Yes. Over 40% of flood claims come from outside high-risk zones. Heavy rain or poor drainage can cause flooding anywhere. Even one inch of water can cause $25,000 in damage.
Why choose Orion180 Flood Insurance over NFIP (FEMA)?
- Up to $1M in coverage (vs. NFIP’s $250K cap)
- 10-day waiting period (vs. NFIP’s 30 days)
- Replacement cost for belongings
- Optional coverages like temporary housing, pool cleanup, or sewer backup
- No elevation certificate required
How are Orion180 Flood Insurance premiums calculated?
Orion180 uses modern flood modeling: location, elevation, distance from water, drainage, and rainfall patterns. This means more accurate pricing than FEMA maps alone.
Is there a waiting period for Orion180 Flood Insurance?
Yes. Coverage usually begins 10 days after purchase. You cannot buy coverage at the last minute before a storm.
Will my lender accept Orion180 Flood Insurance?
Yes. Orion180 policies meet federal requirements and are accepted by all mortgage lenders.
How can I be sure my claims with Orion180 will be paid?
Orion180 carries strong financial ratings and backs policies with highly rated reinsurers, ensuring claims are paid even after major disasters.
How do I buy a policy?
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.
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