Serving Homeowners
Across Florida.

Traditional homeowners policies offer a traditional structure of coverages and deductible options. FLEX provides you with options — you can adjust key elements of your policy to reflect how you want to manage risk and premium. FLEX also enables Orion180 to offer insurance solutions in challenging markets where other carriers often limit coverage.

The insurance market is evolving rapidly, with rising costs and increasing weather-related risks. FLEX was developed to give homeowners a modern insurance option that meets today’s needs — balancing flexibility, affordability, and dependable, protection.

FLEX allows you to work with your agent to customize: 

• Coverage A (dwelling coverage) — ensuring your home is insured for the proper rebuild value.
• Deductible options — higher or lower based on your budget and risk tolerance.
• Coverage limits for personal property and liability — tailored to your situation.
• Optional endorsements — to add protection where it matters most to you.

FLEX is built for homeowners who want more choice and transparency in how they manage risk — especially in today’s unpredictable insurance market. FLEX is a smart choice if you are:

• A value-conscious homeowner who wants to make informed trade-offs between coverage and premiums. A person who wishes to avoid paying for coverage which may not be needed.
• Living in a market with limited insurance options — FLEX provides coverage availability where traditional carriers may have stopped writing new policies.
• Financially savvy buyers — who understand their home’s risks and want the ability to fine-tune deductibles and coverage amounts based on their personal risk tolerance and budget.
• A buyer of a newer or well-maintained home — FLEX often provides more attractive options for newer homes, lower-risk properties, or homes with strong maintenance records — allowing you to benefit from responsible homeownership.

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.

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.

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.

• 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. Coverage usually begins 10 days after purchase. You cannot buy coverage at the last minute before a storm.

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

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.