LinesHome, Dwelling, Flood
Agent portalYes
Quote APINo
StatesAL, AZ, CA, CO, FL, GA, IL, IN, MA, MS, NC, OH, SC, TX
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Homeowners | Home | AL, AZ, GA, IN, MS, NC, OH, SC | Traditional homeowners on an admitted or E&S basis for owner-occupied single-family homes, modular homes and townhomes. Coverage limits of $200K to $3M with TIV caps up to $5M. Homes must be deeded to the first named insured. Seasonal and secondary homes are eligible if not rented (Orion180 Form S-1, 2026; Agent FAQ and Georgia state page, Oct 2026). |
| Homeowners | Home | CA, CO, FL, MA, TX | FLEX homeowners: the insured picks from a menu of 12 perils (for example wildfire, wind, water damage), with flexible deductibles and an optional co-pay, a two-year rate lock and a claims-free loyalty program. Eligible: owner-occupied single-family homes, townhomes and duplexes, and seasonal or secondary homes not rented (Orion180 Form S-1, 2026; Agent FAQ, Oct 2026). |
| High-value home | Home | FL, TX | FlexLuxe for high-value homes with Coverage A starting at $2M, in select coastal Florida counties and statewide in Texas, through select independent agents. Homes owned by individuals, trusts or LLCs are eligible. Rentals are not. Every coverage but the dwelling can be excluded, with scheduling for jewelry, art and collectibles (FlexLuxe product page, Oct 2026). |
| Landlord | Dwelling | AL, CA, CO, FL, MA, MS, NC, SC, TX | DP Landlord for 1-4 family rentals (houses, duplexes, triplexes, quadplexes, and townhomes with a firewall) rented weekly, monthly, six-monthly or long term. Owners can be individuals, trusts, or LLCs and corporations in the rental property business. Not eligible: vacant homes, or more than one family or two unrelated tenants. Starts with fire and lightning, with optional perils, and everything except the dwelling can be excluded (DP Landlord product page and Agent FAQ, Oct 2026). |
| Homeowners | Flood | AL, AZ, CA, CO, FL, GA, IL, MS, NC, OH, SC | Private residential flood, standalone or embedded in a homeowners policy: 10-day waiting period, no wait at closing, no elevation certificate requirement and automatic replacement cost. In California, building up to $1M in zones X, A and V, built to meet FNMA and FMAC requirements (Orion180 Form S-1, 2026; California flood launch, Aug 4, 2026; All States page, Oct 2026). |
How to quote Orion180
→Carrier portal. Quote directly in the Orion180 agent portal.
Getting appointed
Agencies apply through the Partner With Us form on Orion180's agent site. Appointed agents quote and bind on MY180, with underwriting guides in the MY180 Document Library.
Sources
- Orion180: Agent FAQ (products by state, eligibility, MY180)
- Orion180: All States (products available by state)
- Orion180: DP Landlord Insurance
- Orion180: FlexLuxe Home Insurance
- Orion180: Georgia homeowners eligibility
- Orion180: Orion180 launches customizable private flood insurance in California (Aug 4, 2026)
- Orion180 Insurance Group Form S-1 (SEC, 2026): products and independent agent distribution