Serving Homeowners
Across Florida.

FLEX Home Insurance, like all home insurance policies, offers protection from catastrophic losses. With FLEX, however, you can customize that protection. Start with basic perils like fire and lightning, then add additional protections like wind, storm, or water damage. Select from a wide range of deductibles and even add an optional co-pay.

With FLEX, you get real control. Your coverage includes the structure of your home, other structures on your property, and your belongings. You can also choose to include financial assistance if your home becomes uninhabitable, personal liability, and medical payments. Learn more about Home Insurance here, and contact an Orion180 partner agent for a comprehensive review and personalized guidance.

Our Home Insurance policies cover single-family homes that are owner-occupied and deeded to the first named insured. In select cases, townhomes and secondary residences may be eligible, depending on underwriting guidelines. A property that is used as a rental is not eligible. Please consult with a local agent or Orion180 Customer Support to confirm based on your location.

While home insurance is for properties that are owner-occupied, DP Landlord Insurance is for properties that are tenant-occupied. Properties that are used as a rental have their own unique risks and coverage needs. With DP Landlord Insurance, Orion180 offers landlords the choice and control that FLEX policyholders enjoy.

DP Landlord Insurance offers some similar coverage to a home insurance policy, like protections for the dwelling, or structure of the home, and other structures on your property. However, instead of protecting all the contents of the home, landlord insurance protects only the landlord’s property. Instead of loss of use coverage if the property becomes uninhabitable, you could receive fair rental value for the loss of rental income. Instead of personal liability, it offers premises liability. 

DP Landlord Insurance offers precision control of your coverage. You can exclude anything except the dwelling coverage and choose optional perils, letting you get the exact protection you need.  Learn more about DP Landlord Insurance here.

Our landlord insurance is available for properties with homes for one to four families, including houses, duplexes, and townhomes with a firewall between units, for example. Properties must be rented on a weekly, monthly, six-month, or annual/long-term basis. The properties can be owned by individuals, trusts, or LLCs/corporations. Orion180 does not have any distance-to-coast exclusions.

When getting a FLEX Home Insurance or DP Landlord Insurance policy, you can choose from a wide range of deductibles with real options on both the low and high end. Generally, a lower deductible will lead to a higher premium, while a higher deductible will allow you to save on your annual costs. You can also consider the amount and type of coverage that you need and build your policy around your property and finances.

Add an optional co-pay to unlock additional savings, even with a lower deductible. Ask your agent about available discounts, including the Orion180 Companion Policy discount, which rewards DP Landlord policyholders who have another policy with us.

Be sure to maintain your property, so things that are small issues now don’t lead to big claims in the future. Submitting claims can lead to increases in your premium, so one of the most important ways to control your costs is to perform routine upkeep.

No. Home insurance policies typically cover internal water damage (like burst pipes), but not rising waters from outside (overflowing river, storm surge, street flooding). To get coverage from this costly damage, you need a flood insurance policy.

Yes. Over 40% of flood claims come from outside high-risk zones, and 99% of counties have experienced a flood event in the past two decades. Even one inch of water can cause $25,000 in damage, and if you don’t have flood insurance those costs will be paid out of pocket.

Orion180 uses precision pricing, examining the risk of your exact home rather than your surrounding community. We also offer more coverage and an easier sign-up process, including:

• 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

Orion180 uses modern flood modeling: location, elevation, distance from water, drainage, and rainfall patterns. This means more accurate pricing than FEMA maps alone.

Yes. Orion180 policies meet federal requirements and are accepted by all mortgage lenders.

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.

Orion180 carries strong financial ratings and backs policies with highly rated reinsurers, ensuring claims are paid even after major disasters.

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.