Hello Shelli,

Now through February 28, earn an extra 3% commission on all flood policies bound. With tools like our Flood Marketing Kit and Orion180 University, you have everything you need to start quoting Orion180 Flood Insurance with confidence and clarity.

Please note: For embedded flood policies the extra 3% will only apply to the flood insurance premium. 

Flooding is the #1 natural disaster in the United States, and it’s more common—and costly—than many homeowners realize. While clients may think they’re not at risk because they’re outside of high-risk zones, the reality tells a different story.

Flooding Can Happen Anywhere

Here are real-world examples of unexpected flooding that caused devastation in low- and moderate-risk areas:

• Flagstaff, AZ (2021): Flash floods tore through areas far from designated high-risk zones, leaving homeowners with thousands in uninsured damages.
• Asheville, NC (2024): Heavy rains caused widespread flooding in neighborhoods considered “safe,” resulting in catastrophic financial losses for families without coverage.
• Tennessee (2020): Flash floods submerged entire communities, including properties that were never classified as high-risk.

These examples aren’t isolated events. In fact, over 20% of flood claims come from properties outside FEMA-designated high-risk flood zones. Even a single inch of water in a home can cause up to $25,000 in damage, leaving uninsured homeowners struggling to recover.

What You Can Do

With Orion180, you can provide flood insurance solutions for every client:

• Embedded Flood Insurance: Seamlessly quote flood in every Surplus HO3 policy—it’s seamlessly integrated into the quoting process.
• Standalone Flood Insurance: Offer our tailored, competitive coverage for homeowners in both standard and surplus markets. 
• Fair, Data-Driven Pricing: Our property-specific pricing model ensures competitive rates for properties in both low- and high-risk areas, based on actual risk factors like elevation and proximity to water sources. 

If you have any questions, please don’t hesitate to reach out to your territory manager.

Collecting is More Than a Hobby—It’s an Investment

From the 17% of Americans collecting rare coins, to the 12% collecting toys and the 12% collecting trading cards, collecting is a passion shared by millions of Americans.

With 83% of collectors believing their collections will grow in value over time, protecting these assets is more important than ever. That is where Orion180 Collectibles Insurance comes in. Our customizable coverage ensures your clients’ cherished collections are safeguarded against the unexpected.

Product Highlights:

• Deductibles as low as $50
• Less paperwork, no red tape
• Tailored coverage for unique collections

Orion180 University Collectibles Training:

Quickly familiarize yourself with our collectibles product with our on-demand training platform Orion180 University. You may be surprised to discover the number of insureds who are collectors, making this product a valuable addition to your portfolio!

• 5-min Collectibles Program Overview
• 5-min Quoting & Binding Overview
• 10-min Comprehensive Program & MY180 Overview

Boost Your Product Pitch

Personal Property vs Collectibles Insurance

Collectibles Insurance

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