At Better Choice Insurance Group, we represent 22+ carriers because we believe our clients deserve the widest possible selection of coverage options. Every carrier we add to our panel goes through a careful vetting process: we evaluate their financial strength, claims reputation, pricing competitiveness, product range, and how easy they are to work with on the agent side. When a carrier checks all of those boxes, we get excited about bringing them to our clients.
Orion180 is one of those carriers that genuinely excites us. Founded in 2018 and headquartered in Melbourne, Florida, Orion180 has taken a fundamentally different approach to homeowners insurance — one that combines modern technology with a real commitment to serving homeowners in markets that many traditional carriers have abandoned. Here is why we love working with them and why they might be the right fit for your home.
1. They Write Coverage Where Others Will Not
This is the single biggest reason Orion180 is on our panel. If you have ever tried to insure a home in a coastal county, a wind-prone area, or a region with a history of severe weather, you know how frustrating the market can be. Many national carriers have either stopped writing in these areas entirely or have priced their policies so high that the coverage is effectively unaffordable.
Orion180 was built specifically to serve these underserved markets. Their FLEX Home Insurance product is designed for properties with elevated exposure to wind, hail, and hurricane damage. They write in states across the Southeast and beyond — including Alabama, Arizona, Georgia, Indiana, Mississippi, North Carolina, Ohio, and South Carolina — and they do so through a combination of admitted and surplus lines entities that allow them to offer coverage in both standard and non-standard markets.
For our team at Better Choice, this means that when a client comes to us with a property that other carriers have declined or priced out of reach, we have a real option to offer. That is incredibly valuable. Instead of telling a homeowner that the market is tight and their options are limited, we can quote Orion180 and often come back with a competitive rate that includes the wind and storm coverage they need.
2. Their Technology Actually Makes Things Better
Every insurance company talks about technology these days. Most of them mean they have a website. Orion180 is different. They were built from the ground up as an insurtech company, which means their technology is not a layer on top of old systems — it is the system.
For our agents, the Orion180 quoting platform is one of the fastest we use. We can enter a client’s property details and get a quote back in minutes, not hours. The binding process is streamlined, underwriting questions get answered quickly, and policy documents are available immediately through their portal. That speed matters when a client is closing on a home and needs proof of insurance by Friday.
For policyholders, the MY180 app and web portal put everything at your fingertips. You can view your policy documents, make payments, file a claim, and track its status — all from your phone. The app is available on both iOS and Android, and it actually works well. That might sound like a low bar, but anyone who has tried to use some other carriers’ mobile apps knows that a smooth, functional experience is the exception rather than the rule.
3. Fast, Transparent Claims Processing
The real test of any insurance carrier is what happens when you file a claim. You can have the cheapest premium in the world, but if the carrier drags its feet on claims, none of that matters.
Orion180 has invested heavily in their claims infrastructure. They use technology to route claims efficiently, assign adjusters quickly, and keep policyholders informed throughout the process with real-time status updates. You are not left wondering what is happening with your claim — you can check the status anytime through the MY180 app or by calling their claims team at (866) 590-3550.
As agents, we appreciate this transparency because it means fewer anxious phone calls from clients asking us to track down their claim status. The information is readily available, and when we do need to intervene or escalate something, the Orion180 team is responsive and easy to work with.
4. Strong Financial Backing
When we add a carrier to our panel, financial stability is non-negotiable. Our clients need to know that the company standing behind their policy will be able to pay claims — even after a major hurricane or widespread weather event.
Both Orion180 Insurance Company and Orion180 Select Insurance Company carry a Demotech Financial Stability Rating of “A” (Excellent). Demotech is a respected independent financial analysis firm, and their “A” rating indicates that the company maintains strong liquidity, quality reinsurance programs, and adequate reserves. This rating is accepted by Fannie Mae, Freddie Mac, and virtually all mortgage lenders — so there are no issues with your lender accepting an Orion180 policy.
Orion180 also secures record-level reinsurance agreements each year, which means they have strong financial partners backing them up in the event of a catastrophic loss season. That kind of preparation is exactly what you want from a carrier that writes in hurricane-prone areas.
5. A Broad and Flexible Product Lineup
Orion180 is not a one-product carrier. Beyond their core homeowners insurance offering, they provide flood insurance, landlord and dwelling fire policies, condo coverage, and specialty products for higher-value homes and jewelry. That versatility means we can often use Orion180 to address multiple coverage needs for the same client, rather than piecing together policies from different carriers.
Their FLEX Home product deserves special mention. It is specifically designed for homes in elevated-risk areas and offers customizable coverage options that let homeowners tailor their policy to their specific risk profile. Rather than a one-size-fits-all approach, FLEX allows adjustments to deductibles, coverage limits, and endorsements so that policyholders pay for the coverage they actually need.
A Real Client Scenario
Here is a real example of how Orion180 made a difference for one of our clients. A family relocating from Illinois to a coastal area in the Southeast came to us for home insurance on their new property. The home was well-maintained and in a good neighborhood, but its proximity to the coast made it a tough risk for most carriers. Two national carriers declined the risk outright. A third offered coverage but excluded wind damage entirely — which is essentially useless for a coastal property.
We quoted the property through Orion180 and received a competitive offer that included full wind and hurricane coverage. The premium came in at roughly $2,800 per year for a home valued at $380,000 — well within the family’s budget and significantly less than the wind-excluded policy from the third carrier would have cost once they added a separate windstorm policy. The entire process, from initial quote to bound policy, took less than 48 hours.
That family now has comprehensive coverage from a financially stable carrier, and they manage their policy through the MY180 app on their phones. When they had a minor water damage claim six months later, the process was smooth: they filed through the app, an adjuster was assigned within 24 hours, and the claim was resolved within two weeks. Stories like that are exactly why Orion180 is on our panel.
Who Is Orion180 Best For?
While Orion180 is a strong option for many homeowners, they particularly shine for:
- Homeowners in coastal or wind-prone areas who have struggled to find affordable coverage with other carriers.
- Buyers of newer or well-maintained homes in the Southeast and Midwest who want a tech-forward insurance experience.
- Landlords and property investors who need dwelling fire coverage in states where Orion180 operates.
- Anyone who values digital convenience and wants to manage their policy, file claims, and make payments through a well-designed mobile app.
Get a Quote from Orion180 — and 18+ Other Carriers
The beauty of working with an independent agency like Better Choice Insurance Group is that you do not have to choose just one carrier. When you request a quote from us, we will run your information through Orion180 alongside every other carrier in our panel. If Orion180 comes back with the best combination of price and coverage, we will recommend them. If another carrier beats them, we will recommend that one instead. Either way, you get the best available option without doing any of the shopping yourself.
Request your free quote today and see how Orion180 stacks up against 18+ other carriers. It takes about five minutes, there is no obligation, and you might be surprised at how much you can save. You can also call us directly at (847) 908-5665 — we are happy to walk you through the process.
Want to learn more about Orion180? Visit our Orion180 carrier page for quick links to their website, customer portal, claims center, and mobile app.