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Reliable, Flexible Protection. On Your Terms.
FLEX Home Insurance let's you:
  • Choose your coverage
  • Adjust your deductible
  • Lower your premium
Your Policy. Your Choice. Your Price.
Start your free quote now.

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UNDERSTANDING FLEX HOMEOWNERS INSURANCE
How It Works. Why It’s Different.
FLEX is Orion180’s customizable home insurance solution. Designed for Florida homeowners, FLEX lets you adjust coverages, limits, and deductibles to fit your needs. Whether you're in a high-risk area or just want more transparency, FLEX puts you in control of your home protection.
WHY CHOOSE FLEX HOMEOWNERS INSURANCE
More Choice. Smarter Coverage.
Get Exactly What You Need And Nothing You Don't!

Start with basics like fire and lightning. Add wind, storm, or water coverage based on your needs and location.

Earn More Over Time.

Your responsible record works in your favor. Stay claim-free and you can unlock rewards such as premium refunds or deductible reductions at renewal.

Protection That Matches Your Roof.

Select Replacement Cost, Actual Cash Value, or Stated Value based on your roof's structure, age, and condition.

Pay Less Without Sacrificing Protection.

Add an optional copay to lower your premium while getting dependable protection that meets your needs.

Your Budget, Your Comfort Level.

Choose deductible levels that fit your budget and risk comfort, giving you more control over costs.

Improve Coverage and Prevent Water Damage.

Stop costly water damage before it happens with AWTOS, the Auto Water Turn-Off System. The AWTOS Valve is available at no cost, and unlocks major policy benefits.

FLEX IN ACTION
Home Insurance, On Your Terms.
FLEX puts you in control — with customizable coverage, flexible deductibles, and stable pricing that fits your life.
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RAVE REVIEWS
Premier Experience. Straight from Our Customers.
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Tamesha Mosley
January, 2026
"Cliff Spiller has been an exceptional adjuster who proved to be empathetic and invaluable during a very traumatic time. This has been a very trying experience, but his expertise, commitment, and kindness has been stellar and greatly appreciated! When feeling of frustration and a sense of being overwhelmed seemed to consume us, Cliff presented himself as the calm in the storm….focused on resolution!!"
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Kathleen Dennis
November, 2025
"I cannot say enough good things about my experience dealing with Orion180. … Her [Shantay] customer service skills are top notch."
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Kathleen Woods
November, 2025
"Agent was wonderful! She assisted me in navigating the inspection system. Step by step, she guided and facilitated the process. Very personable and knowledgeable!!!"
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Monica Mccauley
November, 2025
"Wanted to come on and say how amazing Samantha Graybeal was today with helping me. She was so kind and guided me to get my policy up and running and through the inspection process. Made my life so much easier!"
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Delynda Vinson
October, 2025
"Orion180 Insurance.. I have to say as a policy holder filing a claim I had a the most pleasant, experience of any insurance I've had… Daisy went over and above to make sure my needs as a policy holder were meet."
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Andrea Brannon
September, 2025
"Orion 180 has been very attentive to all of my questions. They made the insurance process a breeze, and I feel truly valued as a customer. … I hope everyone's experience will be just as great as mine :)"
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Robert Pettit
September, 2025
"My Orion Claim Agent, Michael Brown did an excellent job handling our storm damage claim! Five stars for Mr. Brown and Orion180!!"
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Nidia Espinoza
August, 2025
"Samantha Graybeal has been so helpful this is exactly what a great customer experience should look like. Thank you so much, Sammy!"
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Amy Montes
July, 2025
"Sigrid Vejar was very helpful and patient regarding questions I had she was really informative and great customer service. Thank you so much."
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Chris D'Amato
June, 2025
"Orion180 and Clarence in customer service were great to work with, answered my questions and when they said they would follow up with me they did! Excellent service and product!"
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Courtney Washington
May, 2025
"He [Josh] truly made me feel like I was a priority, not just another claim number. I’m incredibly grateful for his support and couldn’t have asked for a better experience. Thank you, Josh!"
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Clark Cochran
April, 2025
"Experienced water damage in my home and Orion has been done an amazing job… I've recommended Orion to multiple friends and family based on how well this whole process has gone."
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Gill Hawkes
April, 2025
"I was able to save a ton of money by switching to Orion180 of another insurance provider. They do an awesome virtual assessment, so there is no need to send out an inspector from the company to do an in-person check of your property; you just spend about an hour walking around and taking photos and submit them! I had a few issues after submission that needed to be fixed. Delanee from customer service was able to clear up some confusion that I had on the matter for my re-submit date following the fixes they requested. It was super easy, and I recommend this company to anyone."
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Ryan Boon
April, 2025
"Love this company! I had an underwriting issue. Vivian Muniz provided clear communication that allowed me to quickly determine a solution. In a world where insurance is perceived negatively, Orion 180 and its team members like Vivian are setting a new standard!"
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Amanda Burnette
April, 2025
"I am an agent who writes with Orion. Their customer service is awesome with not only the customers, but the agents too. Vivian Muniz went above and beyond for me on a home my agency insures. She didn't just give me an answer and move on, she made sure I understood everything and even gave me her email to respond to so we could get the situation handled. I would highly recommend Orion to any of my customers."
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Heather I.
March, 2024
"Made sure all my questions were answered, even the ones I didn't know I had."

ABOUT ORION180
Smart. Human. Limitless.
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Experience streamlined claims service so you can get back to your life quickly.
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Get precisely customized solutions that fit your home and your needs.
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Enjoy competitive rates without compromising on personalized customer care.
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Find additional discounts working with your dedicated agent.

PROVEN CREDIBILITY
A Better Insurance Experience Under One Roof.
Vet100Seal
Orion180 is recognized as one of the fastest growing companies by Inc. 5000 for three consecutive years.
Deloitte
Orion180 ranked 367 on the 2025 Deloitte Technology Fast 500™ – Fintech, reflecting our growth in the insurance industry.
2025 Top Insurance Employer badge
Orion180 has been named a Top Insurance Employer, as voted on by industry employees.
A Rating
Orion180 is A-rated by Demotech, Inc, a nationally recognized leader in assessing insurance companies.
ORION180 STAR OUTREACH PROGRAM
Where Home Meets Heart.
Your Orion180 Home Insurance policy also helps look out for vulnerable communities in Florida. A portion of your first premium goes to support local organizations and causes.
$1.3+ Million Donated
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Enjoy five-star coverage
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