Orion180 Insurance

What Orion180 Insurance does

Orion180 Insurance is a privately held U.S. property and casualty insurer founded in 2016 and headquartered in Melbourne, Florida, operating across 15 states in the Southeast, Midwest, and West. The company underwrites homeowners, landlord, private flood, and jewelry coverage, with FLEX Home Insurance as its flagship customizable product line. Orion180 differentiates through proprietary property-level risk models for wildfire, hail, and flood — built internally rather than sourced from generic FEMA or carrier reports — and through AWTOS, an AI-enabled auto water turn-off device offered free to policyholders that also generates continuous monitoring data for underwriting refinement.

Revenue is generated through recurring annual insurance premiums across individual policyholders, supported by a $1.15 billion reinsurance tower backed by 41 global reinsurers. Distribution combines a network of independent insurance agents (using the MY180 platform for quote-and-bind in under five minutes) with a direct-to-consumer website and mobile apps. Orion180 has been debt-funded primarily through a $42.5 million senior secured credit facility led by Regions Bank in April 2023, with no disclosed equity funding rounds. The company is currently expanding its operational footprint — most recently opening a service center in Salt Lake City in May 2026 — while continuing to extend its product surface and geographic reach into high-risk markets where larger carriers are retreating.

Name

Orion180 Insurance

Legal name

Orion180 Insurance Services, LLC

Website

https://orion180.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

Orion180 Insurance is a privately held U.S. homeowners, landlord, and flood insurer operating across 15 states, using proprietary risk models and AI-enabled smart-home technology to price and underwrite high-risk properties. It distributes through independent agents and a direct-to-consumer digital platform.

Ownership category

akta.pro rank

Product category

Homeowners and Property Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524), Insurance Agencies and Brokerages (524210)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industry

Flood Insurance (FSAJACAG)

Keywords

• Homeowners insurance
• Private flood insurance
• Landlord insurance
• Property risk modeling
• Smart home water shutoff

Headquarters

HQ city

Melbourne

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Premium Revenue: Orion180 generates revenue through insurance premiums collected from policyholders. The company offers multiple insurance products including home insurance, FLEX homeowners insurance, DP landlord insurance, flood insurance, and jewelry insurance. Revenue is recurring in nature as policies are typically annual and renew annually.
2. Private Flood Insurance: Standalone private flood insurance policies available in 11 states including Florida, with coverage up to $1 million and no elevation certificate requirement, providing an alternative to FEMA's NFIP.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Orion180 underwrites and distributes property insurance products for U.S. homeowners, landlords, and flood-risk property owners, including standard Home Insurance, customizable FLEX Homeowners Insurance, DP Landlord Insurance, Private Flood Insurance, and Jewelry Insurance. Policies are sold through independent agents and brokers using the proprietary MY180 digital platform and directly to consumers via the company website and mobile apps, with the AI-enabled AWTOS water shutoff device provided to eligible policyholders to reduce water-damage risk.

Product overview

Orion180 Insurance offers a comprehensive suite of property insurance products centered around homeowners coverage, with modular customization options. The core portfolio includes Home Insurance, FLEX Homeowners Insurance (customizable with optional perils and flexible deductibles), DP Landlord Insurance for rental properties, Flood Insurance (standalone or add-on), Jewelry Insurance, and Smart Technology (AWTOS). The MY180 digital platform serves as the unified interface for both customers and agents, enabling quote, bind, policy management, and claims submission. The products share a common theme of customization and choice, allowing policyholders to tailor coverage to their specific risk profiles and budgets.

Differentiator

Problem solved

Functional benefit

Brands

• FLEX Home Insurance: Customizable homeowners insurance product offering coverage on the policyholder's terms with adjustable deductibles, locked premiums, and coverage options up to $3 million.
• DP Landlord Insurance
• Flood Insurance
• Jewelry Insurance
• AWTOS (Smart Technology)
• MY180

Products and services

• Home Insurance Standard homeowners insurance providing reliable, straightforward coverage with fair pricing, fast claims, and real support for primary residences in 15 U.S. states.
• FLEX Homeowners Insurance Customizable homeowners coverage that lets policyholders adjust deductibles, lock in premiums, choose perils, and add optional co-pay for additional savings; built around a proprietary wildfire risk score for property-level pricing.
• DP Landlord Insurance Dwelling Protection Landlord Insurance for rental property owners, covering tenant-occupied homes rented weekly to annually and held by individuals, trusts, or LLCs/corporations, with optional perils, flexible deductibles, optional co-pay, and a Companion Policy bundle discount.
• Flood Insurance Private flood insurance providing broad protection, quick approval, and lender-accepted coverage for unpredictable flood risks, available as a standalone policy or add-on to a homeowners policy, with up to $1M building / $250K contents coverage.
• Jewelry Insurance Premier jewelry coverage beyond standard policy limits that protects cherished jewelry and personal valuables, typically scheduled as an add-on to a homeowners or renters policy.
• Smart Technology (AWTOS) AI-enabled Auto Water Turn-Off System that monitors, detects, and prevents water damage 24/7 via an automatic shut-off valve and mobile-app alerts; provided at no cost to eligible policyholders (retail value $499), with up to a 10% premium discount (capped at $150) and removal of water-damage sublimits after installation.
• MY180 App for Homeowners All-in-one digital platform for policyholders to manage documents, make premium payments, submit claims, and access policy information, with companion apps for agents that enable quote and bind in under five minutes and real-time book management.

Quantifiable outcome

• 36% increase in reinsurance capacity year-over-year to $1.15 billion
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered flagship, core and minor.

• Haas PartnershipflagshipStrategic or Co-development Partner · 1 March 2026TGR Haas F1 Team partnership providing protection and performance, built to lead. The partnership brings Formula 1 technology and values to insurance protection.
• Juncos Hollinger RacingcoreStrategic or Co-development Partner · 18 February 2026Official partner of Juncos Hollinger Racing as of February 2026, expanding Orion180's motorsports sponsorship portfolio.
• Team RubiconminorStrategic or Co-development Partner · 3 September 2025$100K matching gift campaign partnership to support disaster response. Team Rubicon mobilizes veterans for disaster response.
• TGR Haas F1 TeamflagshipStrategic or Co-development PartnerOfficial partner of the TGR Haas F1 Team. The partnership reflects shared values of speed, precision, and passion for excellence. Orion180 brings the same focus and innovation to protection that the team brings to racing.
• Neural EarthcoreTechnology or IntegrationStrategic partnership to pioneer AI-powered risk intelligence in homeowners insurance, combining Neural Earth's technology with Orion180's insurance platform.

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Hippo Insurance: Hippo is a tech-enabled homeowners insurance carrier using smart home technology and direct/agent distribution to serve modern homeowners. Like Orion180, Hippo emphasizes customization, smart-home integration, and superior customer experience in the homeowners category.
• Kin Insurance: Kin is a direct-to-consumer homeowners insurance carrier focused on catastrophe-exposed states (Florida, California, Texas) using proprietary risk modeling. Kin and Orion180 pursue nearly identical strategies of using property-level pricing to win market share in carrier-exit geographies.
• SageSure: SageSure is a specialty insurance platform managing multiple fronting carriers serving catastrophe-exposed homeowners through independent agents. Like Orion180, SageSure leverages proprietary risk analytics and high-touch agent relationships to serve difficult-to-place coastal and weather-exposed risks.
• Heritage Insurance Holdings: Heritage is a publicly traded specialty P&C carrier writing personal lines including homeowners in catastrophe-exposed states (Florida, Carolinas, Northeast). Heritage and Orion180 both target the carrier-exit homeowners segment in coastal markets using agent distribution.
• HCI Group (Homeowners Choice): HCI Group is a Florida-headquartered insurance holding company focused primarily on homeowners insurance. HCI is a direct comparable to Orion180's Florida-heavy homeowners and flood business.
• Neptune Flood: Neptune Flood is a specialty private flood insurance provider offering NFIP alternatives through agent distribution. Neptune is a direct competitor to Orion180's private flood product with similar agent-led go-to-market and modernized flood underwriting.
• Universal Insurance Holdings: Universal Property & Casualty Insurance Company is a Florida-focused homeowners writer serving catastrophe-exposed coastal markets through agents. Universal is one of the largest direct competitors to Orion180 in the Florida homeowners space.

Broad incumbents

• Lemonade: Lemonade is a publicly traded AI-driven digital insurance carrier offering homeowners and renters insurance via a mobile-first platform. While broader than Orion180 (also renters, pet, life), it competes in the tech-enabled homeowners category with similar D2C and agent channel ambitions.

Regional players

• Slide Insurance: Slide is a Florida-focused homeowners insurance carrier specializing in catastrophe-exposed coastal properties. Slide competes with Orion180 for the same Florida homeowners market using agent distribution and proprietary risk pricing.
• Tower Hill Insurance Group: Tower Hill is a Florida-based regional mutual insurance group writing homeowners, dwelling fire, and flood through independent agents. Tower Hill competes with Orion180 in the Florida homeowners and private flood markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/orion180ins
• LinkedInlinkedin.com/company/orion180
• Facebookfacebook.com/orion180ins

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Orion180 Insurance