FLEX Homeowners Insurance
Strong Protection. Flexible Options.
What is FLEX homeowners insurance?
Orion180’s FLEX Policy is a smarter, more adaptable approach to home insurance. With FLEX, homeowners have the power to choose coverage options that fit their unique needs and budgets. Whether you’re protecting a new home or an aging property, FLEX gives you control, affordability, and peace of mind.
Why Choose FLEX Home Insurance?
Customizable Coverage Options
Start with essential protections like fire and lightning, then add perils such as wind, storms, water damage, and more.
Flexible Deductibles and Copays
Adjust your deductible and copay levels to balance cost savings and risk—tailoring financial responsibility to your needs.
Tailored Roof Coverage
Choose Replacement Cost Value (RCV), Actual Cash Value (ACV), or Stated Value to match your home’s unique requirements.
Loyalty Rewards
Earn rewards for staying claim-free, including premium refunds and deductible eliminations.
Rate Stability
Lock in your premium for two terms, providing predictable pricing and protection from unexpected increases.
Shared Risk for Greater Savings
Lower premiums with optional copay features, letting homeowners share in the financial responsibility while keeping costs manageable.
FLEX Highlights
- Build Your Coverage: Start with basic protections and customize the policy to include only the perils you need.
- Choose Your Financial Responsibility: Pick deductible and copay options that work for your budget.
- Enjoy Rate Stability: Lock in your premium for two terms with our rate stability guarantee.
- Earn Loyalty Rewards: Earn loyalty benefits like premium refunds for staying claim-free.
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Is FLEX right for you?
- Homeowners Seeking Customization: If you want to pay for only the coverage you need.
- Families with Older Homes: Tailored water damage coverage that adapts to your property’s condition.
- Homeowners Looking for Savings: Flexible deductibles and copays allow you to control your insurance costs.
Be matched with a top-rated independent agent near you.
Our independent partner agents have been vetted for their expertise, integrity, and dedication to their community. So, they won’t recommend Orion180 unless it’s the best option for you.
Frequently Asked Questions
1. What is the biggest threat severe weather poses to homes in Ohio?
Severe thunderstorms and heavy snowstorms can cause extensive damage to roofs, siding, and foundations.
2. How can I prepare my home for Ohio's severe weather?
There are several ways to prepare your home for Ohio’s weather challenges. Here are the key steps:
- Roof Maintenance: Ensure your roof is in good condition to withstand heavy snow and strong winds.
- Gutter Cleaning: Keep gutters clean to prevent water damage during heavy rainfalls.
- Tree Trimming: Regularly trim trees to avoid damage from falling branches during storms.
- Emergency Kit: Prepare an emergency kit with essentials in case of power outages or severe weather events.
3. What factors should I consider when choosing a roofing material for my Ohio home?
- Durability and Weather Resistance: Ohio’s weather can be tough on roofs. Consider materials like asphalt shingles, metal, or tile that can withstand severe weather conditions.
- Energy Efficiency: Reflective materials can help save on heating and cooling costs.
- Budget: Choose a material that fits your budget while offering the necessary protection.
4. What factors affect the cost of homeowner’s coverage?
The cost of homeowner’s coverage is influenced by several key factors, as every home is unique. Here are some considerations impacting your premium:
- Claim History: Past events help insurers predict future risk levels.
- Size, Age & Quality of the Home: Newer homes are often more cost-effective to insure due to lower risk of system failures.
- Property Condition: The state of the foundation, plumbing, electrical systems, and roof impacts coverage costs.
- Pets: Certain breeds or pets with a history of aggression can affect premiums due to liability concerns.
5. What steps can homeowners take to manage premium costs?
It’s important to understand that homeowner’s insurance is designed to protect against catastrophes, not minor repairs. To manage premium costs effectively:
- Prioritize routine maintenance to prevent small issues from escalating and potentially driving up repair costs.
- Avoid unnecessary claims by addressing minor problems promptly and responsibly.
New Agents
Partner With Us
If you are ready to Do More, Give More and Be More to your insureds, we invite you to partner with Orion180 and Expect More of your relationship with us. If you are already a trusted partner, we invite you to contact us for additional training on our products and technology; we are ready to Be More for you!