Hello Shelli,

The Home Insurance Landscape is Changing – Here’s What You Need to Know

Rising premiums, evolving coverage options, and regulatory changes continue to shape the homeowners insurance market.

Here’s a quick look at what’s happening and how Orion180 is positioned to help you navigate these shifts:

• Rates Are Stabilizing, but Premiums Remain High: After sharp increases in recent years, home insurance rate hikes are slowing. However, premiums are still higher than before. Orion180 offers competitive pricing and data-driven underwriting, ensuring your clients get the best coverage at the best value.
• Coverage Availability Is Expanding Again – Carriers that previously pulled out of high-risk markets are slowly returning, giving agents more options. While some insurers continue to scale back, Orion180 is stepping in where others are pulling out, expanding into states that need more coverage solutions. With a commitment to stability and innovation, Orion180 remains a reliable choice, providing flexible coverage for homeowners in a variety of risk zones.
• New Regulations Are Reshaping the Market: From Florida’s flood insurance requirements to California’s wildfire coverage mandates, states are making major changes. Orion180 stays ahead of these developments, ensuring our policies align with the latest regulatory standards so you can confidently serve your clients.
• Technology & Insurtech Are Driving the Future: AI-powered risk assessments and digital-first insurance solutions are transforming the industry. Orion180 embraces cutting-edge technology, making quoting, binding, and managing policies faster, easier, and more efficient for agents.

Why Orion180?

With the market evolving, you need a partner that is stable, innovative, and committed to your success.

Orion180 Delivers:

✔ Competitive rates & broad coverage options
✔ A seamless agent experience with MY180
✔ Tech-driven underwriting for accuracy and efficiency
✔ Proactive adaptation to industry changes

Now is the time to offer your clients a smarter insurance solution while securing your book of business.

This is your last chance to earn an extra 3% commission on all flood policies written through Orion180. The incentive ends on February 28, 2025.

(For embedded flood insurance, the extra 3% applies to the flood premium portion only.) 

 
The Value of Proactively Offering Flood Insurance 

Anticipating your client’s needs is key to providing exceptional service. Flood insurance isn’t always required for a home, but that doesn’t mean it’s not a critical part of the homeowner’s protection. By offering flood coverage with every quote, you’re not just meeting your clients’ expectations, but exceeding them—ensuring they’re informed and protected against an often-overlooked risk.

Here’s why offering flood insurance with every quote matters:

• Unpredictable Risk: Over 20% of flood claims come from outside FEMA-designated high-risk zones.
• Financial Impact: Even a small flood can cause damages exceeding $25,000.
• Rising Demand: NFIP changes have left hundreds of thousands of homeowners seeking more affordable and tailored coverage options.

With Orion180, you can provide the reliable solutions homeowners need:

• Quote embedded flood coverage in every Surplus HO3 policy—it’s seamlessly integrated into the quoting process.
• Offer standalone flood insurance to clients in both standard and surplus markets.

 Let’s ensure every homeowner is informed and protected before it’s too late. 

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