Orion180 Insurance has launched FLEX Home Insurance in Colorado, introducing a flexible coverage solution aimed at managing the state's unique environmental and insurance market challenges. The product addresses rising insurance costs driven by severe weather events such as hail and wildfires, which account for 26% to 54% of homeowners insurance premiums in the state, according to 2026 data from the Colorado Division of Insurance. FLEX Home Insurance allows homeowners to tailor coverage to their individual risk tolerance and budget.

The product is powered by proprietary hail and wildfire risk modeling built specifically for Colorado. Instead of relying solely on broad geographic assessments, Orion180's underwriting and rating engine evaluates individual property characteristics to better reflect actual risk exposure. Coverage A limits are available from $300,000 up to $2 million for homes built since 1900. Policyholders can select optional perils, including wind, hail, tornado, and named storm coverage, along with various deductible and co-pay options.

Key Features of FLEX Home Insurance

FLEX Home Insurance offers several customizable features for Colorado residents:

• Multiple roof coverage options, including Replacement Cost Value (RCV), Actual Cash Value (ACV), and Roof Limit selections.
• Broad deductibles ranging from $2,500 or 1% up to $100,000 or 10%.
• Optional co-pay feature that can reduce premiums.
• Excludable coverages, including Loss of Use, Personal Liability, and Medical Payments.

Operational Details

Independent partner agents in Colorado use Orion180's MY180 platform for a streamlined quoting and binding experience. The deployment of FLEX represents a shift away from rigid, one-size-fits-all policies, offering an alternative for homeowners facing strained household budgets. Orion180 serves more than 10,000 partner agents and 500,000 customers, protecting over $130 billion in assets.

Company Overview

Orion180 is a customer-centric insurance brand that combines proprietary technology, real-time data, and advanced underwriting to provide a seamless insurance experience. The company offers flexible and standard home insurance solutions, including FLEX and HO-3 coverage, as well as DP Landlord, flood, and jewelry protection across multiple states, including Colorado. Its proprietary MY180 platform also integrates smart home innovations like the AWTOS water damage mitigation system and PRYZMIQ home self-inspection tool.

Orion180 Insurance has completed its $1.15B reinsurance programs for the June 2026 treaty year, increasing capacity by 36% over the 2025 reinsurance tower. The program is backed by a global panel of 41 highly rated and diversified reinsurers and covers the company's growing admitted and surplus lines. This expansion strengthens Orion180's claims-paying ability for multiple catastrophic events throughout the year.

The additional reinsurance capacity supports Orion180's continued expansion following 69% growth in 2025 and expected growth in 2026. The company's product portfolio includes standard homeowners insurance, FLEX Home Insurance, and DP Landlord Insurance. Orion180's sustained momentum has earned national recognition, including three consecutive appearances on the Inc. 5000 list of America's fastest-growing private companies and inclusion in Deloitte's Technology Fast 500 ranking.

Reinsurance Program Details

The reinsurance tower is designed to reinforce preparedness and claims-paying resilience in light of NOAA's Atlantic projection for 2026, which forecasts 8-14 named storms, 3-6 hurricanes, and 1-3 major hurricanes. The program also increases the number of catastrophic events covered.

Geographic Expansion

Orion180's FLEX Home Insurance solution is currently available in California, Colorado, Florida, Massachusetts, and Texas, with plans for further expansion in 2026. The recently launched DP Landlord Insurance is available in Florida, Alabama, Colorado, California, Massachusetts, Mississippi, North Carolina, South Carolina, and Texas.

"We value the continued confidence and commitment of our reinsurance partners, which enable us to provide innovative insurance solutions for homeowners and landlords, including those in underserved and catastrophe-exposed markets where coverage options continue to be challenging," said Ken Gregg, Founder and CEO of Orion180.