Who Is Orion180?
Orion180 is a modern insurance group headquartered in Melbourne, Florida that combines cutting-edge technology with a human-first approach to homeowners insurance. Founded in 2018, the company has quickly earned a reputation for writing coverage in markets that many traditional carriers avoid — particularly coastal counties and wind-prone regions across the Southeast and beyond.
The company operates under the tagline “Smart. Human. Limitless.” and uses proprietary technology to streamline quoting, binding, and claims processing. Their platform, MY180, gives both agents and policyholders real-time access to policy information, documents, and payments from any device.
History & Heritage
Orion180 was founded in 2018 in Melbourne, Florida by a team of insurance and technology professionals who saw an opportunity to modernize how homeowners insurance is underwritten and delivered. Unlike legacy carriers that rely on decades-old systems, Orion180 was built from the ground up as an insurtech company — purpose-designed to be fast, transparent, and responsive.
Within just a few years, Orion180 expanded beyond Florida into multiple states, including Alabama, Arizona, Georgia, Indiana, Mississippi, North Carolina, Ohio, and South Carolina. The company writes through two entities: Orion180 Select Insurance Company for admitted markets and Orion180 Insurance Company for surplus lines, particularly in high-wind coastal zones. In 2023, Orion180 received approval to write in its home state of Florida, marking a significant milestone. The company has continued to grow through record-setting reinsurance agreements, ensuring strong financial backing for policyholders even through active hurricane seasons.
What They’re Known For
- Coastal and wind coverage: Orion180 writes homeowners policies in coastal counties where many carriers have pulled out or added exclusions. Their FLEX Home Insurance product is specifically designed for properties with elevated exposure to wind, hail, and hurricane damage.
- Insurtech platform: The MY180 platform allows agents to quote and bind policies in minutes. Policyholders can manage their coverage, make payments, file claims, and download documents through the MY180 app or web portal.
- Fast claims handling: Orion180 uses technology-driven claims processing to accelerate response times. Their system routes claims efficiently and keeps policyholders informed with real-time status updates.
- Broad product lineup: Beyond standard homeowners coverage, Orion180 offers flood insurance, landlord/dwelling fire policies, condo coverage, and specialty products for higher-value homes and jewelry.
- Agent-friendly tools: Independent agents appreciate Orion180’s fast quoting engine, responsive underwriting team, and robust agent portal — making it easy to find the right coverage quickly.
Why We Partner With Orion180
At Better Choice Insurance Group, we chose to partner with Orion180 because they fill a critical gap in the market. When clients come to us with properties in wind-prone areas — whether it is a home near the coast or a property in a county with a history of severe storms — many carriers either decline the risk entirely or price the policy out of reach. Orion180 steps in with competitive rates and comprehensive coverage where others will not.
We also appreciate how easy Orion180 makes the process for both our team and our clients. Their quoting platform is fast, their underwriting is responsive, and their MY180 app gives policyholders genuine control over their policy. When a client calls us with questions about their Orion180 policy, we can get answers quickly — and so can they. That kind of efficiency matters when someone is dealing with a claim after a storm.
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Financial Strength Rating
Demotech Rating: “A” (Excellent) — Both Orion180 Insurance Company and Orion180 Select Insurance Company carry a Demotech Financial Stability Rating of “A” (Excellent). This rating indicates that the company possesses an exceptional ability to maintain liquidity of invested assets, quality reinsurance, and adequate financial reserves. Orion180 is not rated by AM Best; however, Demotech ratings are widely accepted by mortgage lenders and secondary market participants including Fannie Mae and Freddie Mac.
Where We Write Orion180 Insurance
Better Choice Insurance Group offers Orion180 Insurance policies to homeowners and drivers across our service areas:
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth