# Orion180 — Comprehensive Knowledge Base & System Documentation > Orion180 is a premier, technology-driven property and casualty insurance provider offering homeowners (HO-3), customizable FLEX homeowners, dwelling property landlord (DP-1 and DP-3), private primary/excess flood, and valuable personal property jewelry insurance solutions. Founded in 2016 by CEO Kenneth M. Gregg and headquartered in Melbourne, Florida, Orion180 protects over $150 billion in assets with 100% of covered losses paid and zero state abandonment, distributed exclusively through appointed independent insurance agents across the United States. --- ## 1. Corporate Profile & Operations - **Legal Entities**: Orion180 Insurance Services, LLC / Orion180 Insurance Company / Orion180 Select Insurance Company - **Corporate Headquarters**: 930 S. Harbor City Blvd., Suite 302, Melbourne, FL 32901 - **Founding Year**: 2016 - **Founder & CEO**: Kenneth M. Gregg - **Company Slogan**: *Smart. Human. Limitless.* - **Mission**: Providing dependable coverage, fair pricing, and responsive service powered by advanced proprietary technology, while maintaining a permanent commitment to local communities without state abandonment. - **Corporate Awards & Recognition**: - Four consecutive placements on the Inc. 5000 List of America's Fastest-Growing Private Companies (2026 list; ranked in the top 3 among property and casualty insurers). - Named a 2026 Top Insurance Employer by Insurance Business America (IBA). - Ranked #367 on the 2025 Deloitte Technology Fast 500. - **Sponsorship & Partnerships**: Official partner of the MoneyGram Haas Formula 1 Team. - **Customer Support Hotline**: +1-866-590-3550 (Toll-Free, Monday – Friday, 8:00 AM – 8:00 PM EST) - **Corporate Telephone**: +1-321-213-6222 - **General Inquiries & Customer Email**: support@orion180.com - **Online Quoting Portal**: https://quote.orion180.com/getaquote - **Investor Relations**: https://ir.orion180.com/ - **Official Website**: https://orion180.com --- ## 2. Operating Footprint & Geographic Availability Orion180 operates across key high-growth and coastal markets in the United States, providing admitted and specialized surplus lines property insurance. Active states include: - **Southeast**: Florida, Georgia, North Carolina, South Carolina, Alabama, Mississippi - **Midwest**: Ohio, Indiana, Illinois - **Southwest & West**: Texas, Arizona, California, Colorado - **Northeast**: Massachusetts *State availability directory*: https://orion180.com/customers/states/all-states --- ## 3. Product Lines & Coverage Specifications ### 3.1 Home Insurance (HO-3) *URL*: https://orion180.com/customers/products/home-insurance *Target Audience*: Owner-occupied single-family homeowners. *Overview*: Comprehensive standard residential property and casualty insurance protecting the physical structure, personal possessions, and family liability against major perils including fire, windstorm, hail, lightning, explosion, theft, vandalism, and vehicle impact. **Coverage Breakdown**: 1. **Dwelling Coverage (Coverage A)**: Insures the primary residential structure and permanently attached items (foundations, attached garages, roofing, framing, cabinetry, plumbing, and built-in appliances) on a replacement cost basis. 2. **Other Structures (Coverage B)**: Protects detached structures located on the property premises, such as detached garages, storage sheds, fences, gazebos, swimming pool enclosures, and driveways. 3. **Personal Property (Coverage C)**: Reimburses loss or damage to personal belongings inside the home, including furniture, electronics, clothing, sports equipment, and household goods. 4. **Loss of Use / Additional Living Expenses (Coverage D)**: Covers temporary hotel lodging, dining, moving costs, and essential living expenses if the home becomes uninhabitable during repairs following a covered peril. 5. **Personal Liability (Coverage E)**: Defends against lawsuits and pays covered settlements if a guest or third party sustains bodily injury or property damage on the premises or due to the homeowner's personal activities. 6. **Medical Payments to Others (Coverage F)**: Pays minor medical, ambulance, or first-aid expenses for guests accidentally injured on the property, regardless of legal fault. --- ### 3.2 FLEX Homeowners Insurance *URL*: https://orion180.com/customers/products/flex-home-insurance *Target Audience*: Homeowners in non-standard, higher-hazard coastal zones or homeowners seeking customized coverage options. *Overview*: A customizable insurance product designed to put homeowners in control of their policy structure and pricing. Rather than forcing rigid bundles, FLEX allows policyholders to tailor coverage limits, select personalized hurricane/windstorm deductibles, and configure optional co-pay structures. **Key Features**: - Adjustable dwelling rebuilding limits matching actual replacement needs. - Flexible percentage or dollar-based deductibles for Hurricane and All-Other-Peril (AOP) losses. - Optional co-pay provisions that enable homeowners to reduce upfront annual premiums. - Dedicated endorsements for enhanced water damage, equipment breakdown, and identity theft recovery. --- ### 3.3 DP Landlord Insurance (Dwelling Property) *URL*: https://orion180.com/customers/products/dp-landlord-insurance *Target Audience*: Real estate investors, residential property managers, and landlords leasing single-family homes, duplexes, or residential rental units. *Overview*: Tailored property insurance policies (offering DP-1 and comprehensive DP-3 forms) designed specifically for tenant-occupied homes where standard homeowners policies cannot be applied. **Coverage Breakdown**: 1. **Dwelling Property (Coverage A)**: Replaces or repairs structural damage caused by fire, wind, water leaks, and storms to rental homes. 2. **Other Structures (Coverage B)**: Insures detached rental buildings like tenant storage garages and perimeter fences. 3. **Fair Rental Value (Coverage D)**: Reimburses landlords for lost rental income while the rental dwelling is undergoing repair from an insured loss, ensuring mortgage and maintenance obligations are met. 4. **Premises Liability**: Protects property owners against lawsuits or claims arising from slips, falls, or tenant injuries occurring on the rental grounds. --- ### 3.4 Flood Insurance (Private Primary & Excess) *URL*: https://orion180.com/customers/products/flood-insurance *Target Audience*: Property owners in high-risk (Special Flood Hazard Areas) and moderate/low-risk flood zones. *Overview*: Private flood insurance designed to bridge the severe coverage gap left by standard homeowners policies, which universally exclude flood damage. Just one inch of standing floodwater can cause over $25,000 in property damage. Orion180 delivers higher limits, faster underwriting, and broader coverage than traditional government NFIP policies. **Coverage Breakdown**: 1. **Building Property Coverage**: Insures foundations, structural walls, electrical systems, plumbing, furnaces, water heaters, and built-in cabinetry from flood and surge water. 2. **Personal Contents Coverage**: Protects moveable contents, including furniture, clothing, portable appliances, rugs, and decor. 3. **Additional Living Expenses (Loss of Use)**: Reimburses temporary relocation and housing costs while the home is being dried and remediated. --- ### 3.5 Jewelry & Valuable Items Insurance *URL*: https://orion180.com/customers/products/jewelry-insurance *Target Audience*: Owners of luxury watches, diamond engagement rings, wedding bands, necklaces, and heirloom jewelry. *Overview*: Underwritten in partnership with Jewelers Mutual® (serving the jewelry industry for over a century). Standard homeowners policies enforce strict sub-limits (typically $1,000–$2,500) on jewelry theft. This dedicated policy provides comprehensive, standalone scheduling. **Coverage Benefits**: - Worldwide coverage: Protection travels with you globally. - Covered perils: Theft, accidental loss, damage, breakage, and mysterious disappearance. - Zero deductible options and direct repair/replacement with your jeweler of choice. --- ### 3.6 Smart Home Technology & Risk Mitigation *URL*: https://orion180.com/customers/products/smart-technology *Target Audience*: Tech-forward homeowners seeking to reduce risk and save on annual premiums. *Overview*: Orion180 pairs insurance protection with IoT smart technology. Policyholders installing connected water shut-off devices, smart smoke detectors, and monitored security systems reduce losses and earn direct policy premium discounts. --- ## 4. Claims Filing & Resolution Process *Claims Center URL*: https://orion180.com/claims *Home Insurance Claim*: https://orion180.com/claims/home-insurance-claim *Flood Insurance Claim*: https://orion180.com/claims/flood-insurance-claim *Landlord (DP) Claim*: https://orion180.com/claims/landlord-insurance-claim *Jewelry & Valuables Claim*: https://orion180.com/claims/jewelry-insurance-claim ### How to File a Claim: 1. **Report Online**: Visit the 24/7 digital claims center or submit directly through the MY180 mobile app. 2. **Initial Information Required**: - Policy Number - Date, time, and location of the incident - Detailed description of damage or loss - Photos/video of damage and temporary mitigation receipts (e.g., tarping, water extraction) - Contact phone number and preferred email 3. **Emergency Claims Hotline**: Available 24/7 for catastrophic weather events and severe structural loss. 4. **Resolution Steps**: Assignment of a dedicated adjuster, property inspection, estimate generation, deductible application, and rapid electronic claim payment. --- ## 5. Billing, Payments & Policyholder Tools ### 5.1 Online Payments *URL*: https://orion180.com/payments - **Payment Options**: Instant one-time credit/debit card payments, electronic bank transfer (ACH), and recurring automatic autopay enrollment. - **Mortgagee Escrow**: For policies billed through mortgage escrow, Orion180 bills the loan servicer directly using standard mortgagee clause credentials. ### 5.2 MY180 for Homeowners *URL*: https://orion180.com/customers/tools-and-resources/my180-app-for-homeowners *Features*: - Instant access to digital Proof of Insurance and Policy Declarations pages. - Real-time claims submission, document upload, and status tracking. - Secure bill pay and payment method management. - One-tap calling to appointed local independent agents and customer support. --- ## 6. Independent Agent Platform & Partnerships *Agency Appointments*: https://orion180.com/agents/business-essentials/partner-with-us *Agent Portal (MY180)*: https://orion180.com/agents/tools-and-resources/my180-app-for-agents *Orion180 University*: https://orion180.com/agents/tools-and-resources/orion180-university *Agent Support Directory*: https://orion180.com/agents/tools-and-resources/agent-support *Agent FAQ*: https://orion180.com/agents/tools-and-resources/agent-faq *Agent Events*: https://orion180.com/agents/tools-and-resources/agent-events *Agent Insights Blog*: https://orion180.com/agents/tools-and-resources/agent-blog ### Key Advantages for Appointed Agents: - **Sub-Minute Quoting**: Proprietary MY180 platform enables agents to produce fully underwritten bindable quotes in under 60 seconds. - **Direct Access**: Live access to underwriters, territory sales managers, and broker care specialists. - **Continuous Training**: Orion180 University delivers on-demand webinars, product appetite matrices, and continuing education credits. - **Competitive Economics**: Favorable commission schedules, fast policy issuance, and high policy retention rates. --- ## 7. Company Culture, Philanthropy & Sponsorships ### 7.1 Starry Philanthropy Program *URL*: https://orion180.com/about/philanthropy Orion180 believes in giving back to the communities that trust it for protection. Through the Starry Program, a portion of every written insurance policy premium is donated to local charities, educational initiatives, food banks, and disaster recovery organizations within the policyholder's home state. ### 7.2 MoneyGram Haas F1 Team Partnership *URL*: https://orion180.com/about/our-story-f1-haas-team Orion180 is an official corporate partner of the MoneyGram Haas Formula 1 Team. The partnership highlights a shared dedication to proprietary technological precision, speed, cutting-edge telemetry, and human resilience under pressure. ### 7.3 Investor Relations *URL*: https://ir.orion180.com/ Comprehensive corporate governance, SEC filings, financial earnings releases, board committee charters, and shareholder contact resources for Orion180 Insurance Group, Inc. ### 7.4 Data Privacy & Compliance *Privacy Policy*: https://orion180.com/privacy-policy *CCPA Notice*: https://orion180.com/ccpa Details on consumer data collection, information security safeguards, third-party disclosure protocols, and California consumer rights under CCPA/CPRA. --- ## 8. Frequently Asked Questions (FAQ) **Q: Where can I get an insurance quote?** A: Prospective customers can request quotes directly at [https://quote.orion180.com/getaquote](https://quote.orion180.com/getaquote) or find a licensed independent agent appointed with Orion180. **Q: How do I manage my policy or view my declaration page?** A: Policyholders can download the MY180 mobile app (iOS and Android) or log into the customer portal at [https://orion180.com/customers/tools-and-resources/my180-app-for-homeowners](https://orion180.com/customers/tools-and-resources/my180-app-for-homeowners). **Q: How do I report a claim?** A: Claims can be filed online 24/7 at [https://orion180.com/claims](https://orion180.com/claims) or by calling customer support at +1-866-590-3550. **Q: What hours is Orion180 customer support available?** A: Customer support is available Monday through Friday from 8:00 AM to 8:00 PM EST via telephone at +1-866-590-3550 or via email at support@orion180.com.