FLEXIBLE HOME INSURANCE

Why Florida Homeowners are Choosing Orion180 Home Insurance over Citizens, Kin and State Farm

FLEX Homeowners Insurance puts you in control. Select your perils, configure your coverage, and set your deductible and copay for true policy customization. Built for the Florida market that other carriers walked away from.

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Looking for Flexible Home Insurance in Florida?

With FLEX, you can customize your insurance policy to fit your unique needs, your home, and your budget. Fill out the form today to get your personalized quote.

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RAVE REVIEWS

Orion180 Insurance Reviews

"Our [adjuster], Daisy Ceja, worked clearly, transparently, and thoroughly to make sure that our claims were fairly treated…Her hard work means we'll be able to fix our deck and replace appliances damaged in a recent storm... She made our insurance work the way it is supposed to work, and we couldn't be more thankful."

Brad Conaway

“Great experience with Cliff. He always answered back really quick anytime I had questions. He thoroughly explained my policy to me. Worked quickly to get everything resolved. After hearing nightmare insurance stories from others I was very pleased and grateful for the hard work and dedication Cliff and his team put into our claim. Would highly recommend!!!”

Shelby James

“We’ve been with Orion180 for one year and at renewal, we accidentally selected the wrong option for payment. Byron Silva did an excellent job of de-escalating an upsetting situation and we are grateful for his help!! We’d also like to thank his supervisor, Kaitlyn Zinke, Byron’s supervisor for approving the solution to our issue. I highly recommend Orion! The customer service was on point.”

Shannon Mosley

WHY ORION180 FLEX

Six Things FLEX Does That Other Florida Carriers Don't

Configurable Coverage

Most FL carriers hand you a take-it-or leave-it policy. FLEX lets you start with basic perils (like fire and lightning) and add wind, hail, and more. Exclude and add coverage based on your home and your risk tolerance, and don't pay for what you don't need.

Control Your Premium

Choose from a wide range of deductibles to strike your exact balance of premium cost and risk. Unlock additional savings with our optional co-pay. FLEX puts you in control.

3 Roof Coverage Options

FLEX is one of the few carriers offering Replacement Cost, Actual Cash Value, OR Stated Value, letting you and your agent pick what fits your roof's age and condition.

Real Human Support When You Need It

When you need help or file a claim with FLEX, you speak directly with a live representative, not a chatbot or automated system. Orion180 is rated 4.8 on Google for compassionate service, claims, and support.

Zero State Abandonment

Multiple national carriers have stopped writing new FL homeowners policies. Orion180 was built for challenging markets like Florida and is committed to staying, backed by over $150 billion in protected assets and disciplined growth.

Premium Refunds

Stay claim-free and you could earn premium refunds or deductible savings at renewal. Most FL carriers reward you with a non-renewal notice. FLEX rewards you for being a good policyholder.

4,000+ Google Reviews

5★ Rating for Compassionate Service, Claims, and Support

★★★★★

4,000+ Google reviews

$150B

Assets Protected

State abandonment

Zero

HEAD-TO-HEAD

Orion180 FLEX vs. Citizens, Kin & State Farm

Three of the most-considered Florida options compared on the features that actually decide a homeowners purchase: availability, customization, roof terms, claims, and stability.

Feature	Orion180	Citizens	Kin	State Farm
Writing new FL policies	Yes – built for FL market	Insurer of last resort only	Yes, FL-direct	Limited / restrictive
Customizable peril selection	Yes	Standard only	No	No
Optional copay to lower premium	Yes – unique to FLEX	Not offered	No	Not offered
Loss-free rewards program	Discounts, premium refunds, and deductible savings	No	Limited	Discount
Independent agent channel	Independent agent network	Yes	Direct only	Captive agents only
FL discount programs	7+ including Home Buyers, Golden Age, First Responder/Military	Wind mitigation	Standard set	Multi-policy heavy

WHY CHOOSE FLEX HOMEOWNERS INSURANCE

Discount Opportunities

Loss-Free

No claims in recent years

Beyond standard benefits of wind mitigation, FLEX policyholders can stack multiple discounts based on their property, profession, and home tech.

Tankless Water

Reduced leak risk

Tree-Free Yard

No trees that could damage home

Home Buyer

Bought home within 12 months

Golden Age

Policyholders 60+

Military/1st Resp.

Active, vets, reservists, EMS

Protective Devices

Monitored alarms + AWTOS™

Take Control of Your Home Insurance

While other carriers walk away from Florida, Orion180 was built for it.
Stop settling for "take-it-or-leave-it" policies and start configuring coverage that fits your home.