Dependable coverage that’s easy to understand. Get fair pricing, fast claims, and support when it matters most.
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Serving Homeowner
Across North Carolina.
Orion180 delivers dependable home insurance to homeowners across North Carolina — with responsive claims, flexible coverage, and support you can count on from day one.
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Products And Solutions For North Carolina Homeowners.
From coastal breezes to mountain snow, North Carolina weather can change fast. Orion180 provides dependable home insurance built for year-round protection, backed by responsive claims and service you can count on.
COVERAGE AVAILABLE
Products And Solutions For North Carolina Homeowners.
Home Insurance
Flood Insurance
Expansive coverage, ready when needed. Fast approvals and dependable protection for lender needs and rising risks.
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 North Carolina.
What types of homes are eligible for coverage?
We insure single-family homes that are owner occupied as the primary residence and deeded to the first named insured. In select cases, townhomes and secondary residences may also be eligible depending on underwriting guidelines.
Do you cover seasonal or secondary homes?
Yes. Seasonal and secondary residences are eligible for coverage, as long as the property is not used as a rental and is deeded to the first named insured. Please consult with a local agent or Orion180 Customer Service to confirm based on your location.
What perils are covered under Orion180’s homeowners policy / What does a standard Orion180 HO3 policy cover?
Our coverage protects against common coastal perils such as wind, hurricane, hail, and all other perils (AOP). Optional coverages are also available for added protection.
What optional coverages are available?
We offer a variety of optional coverages to help enhance your protection, including:
- Special Computer Coverage
- Personal Property Replacement Cost
- Water Back-Up & Sump Pump Overflow
- Loss Assessment Coverage
- Swimming Pool & Hot Tub Liability
- Equipment Breakdown Coverage (availability varies by state)
Contact your local Orion180 agent or our Customer Service team at Support@Orion180.com or (866) 590-3550. They’ll walk you through what’s available based on your property and location.
What deductible options are available?
We offer flexible deductible options to fit your needs:
- Wind/Hurricane/Hail/Tornado Deductible Options: (1% - North Carolina only) 2%, 3%, 5% and 10%
- Flat dollar or percentage-based options of $1,000, $2,500, $5,000 or percentage-based options 1% to 10% varying by state
- AOP (All Other Perils): $500, $1,000, $2,500 or 1% to 5%, and 10%
What discounts are available?
Eligible policyholders may qualify for a variety of discounts, including:
- Auto Companion
- Renewal/Loyalty
- Loss-free/Claims-free
- Affinity/Military
- Protective Device
- E-Policy/Paperless
...and more! Availability and qualification criteria may vary by state. Contact your local Orion180 agent or our Customer Service team at Support@Orion180.com or (866) 590-3550. They’ll walk you through what’s available based on your property and location.
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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