Orion180 Insurance Services LLC
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Scope / products - Orion180 Insurance Services LLC acts as program/underwriting manager for Orion180 Insurance Company and Orion180 Select Insurance Company, focusing on homeowners (HO-3) in selected US states, including coastal/wind-exposed markets.([orion180.com](https://orion180.com/?utm_source=openai)) - A separate collectibles coverage product is available but only to existing Orion180 HO-3 policyholders.([orion180.com](https://orion180.com/collectibles-insurance-underwriting/?utm_source=openai)) Preferred / target business (operational) - Standard personal residential HO-3 in Orion180-served states, generally owner-occupied single-family dwellings with good maintenance and insurable replacement values. - Policyholders interested in value-added options such as collectibles coverage and technology-enabled service (MY180 portal/app) for self-service, documents, billing and claims.([orion180.com](https://orion180.com/?utm_source=openai)) - For collectibles coverage, preferred risks are documented collections (stamps, vintage toys, wine and similar) with clear descriptions, photos and values, and items appraised when values exceed $25,000 per item.([orion180.com](https://orion180.com/collectibles-insurance-underwriting/?utm_source=openai)) Eligibility / restricted and declined risks – high-level - Collectibles coverage: - Must be an existing Orion180 HO-3 homeowner policyholder; standalone collectibles risks are not eligible. - Collectibles must be documented; appraisals are required for any item valued over $25,000. - Eligibility criteria may vary by type of collectible; agents should confirm current specifics in MY180 or with underwriting.([orion180.com](https://orion180.com/collectibles-insurance-underwriting/?utm_source=openai)) - Homeowners general indications (from public materials and agent guidance): - Orion180 writes both admitted and surplus lines home programs depending on state, with an emphasis on disciplined underwriting, property inspections and use of imaging/analytics (Nearmap, Neural Earth) for roof/condition and hazard evaluation.([reinsurancene.ws](https://www.reinsurancene.ws/oir-approves-orion180-to-enter-homeowners-and-wind-market/?utm_source=openai)) - Inspections (self-inspection via photos/video or third‑party field inspection) are required post-bind; failure to complete inspection can result in non-renewal or cancellation. Agents select inspection type during quote.([bbb.org](https://www.bbb.org/us/fl/melbourne/profile/homeowners-insurance/orion180-insurance-services-llc-0733-235964563/complaints?utm_source=openai)) - Water damage limits and other coverage terms may vary based on home age and condition (e.g., reduced water damage limits for older homes). Agents must review current guidelines and coverage options before binding.([bbb.org](https://www.bbb.org/us/fl/melbourne/profile/homeowners-insurance/orion180-insurance-services-llc-0733-235964563/complaints?utm_source=openai)) - For older homes, additional underwriting scrutiny and/or pre-approval is required; some state-specific guides indicate that homes built prior to 1900 require underwriting pre‑approval, and multi‑family or non‑standard occupancies may have separate rules or be ineligible under standard HO-3. (Use this as an indicator only and always confirm current state guide in MY180.)([insurehive.com](https://insurehive.com/brianslist/underwriting_guides/IN%20-%20Agent%20Homeowners%20Reference%20Guide%20%2008.14.2024%20%2822%29.pdf?utm_source=openai)) Geographic notes - Orion180 focuses on selected homeowners markets including Florida and multiple Southeast and Mid‑Atlantic states; Orion180 Select offers admitted HO in a growing number of states (e.g., North Carolina and other specified states).([theinsurer.com](https://www.theinsurer.com/ti/news/orion180-makes-admitted-ho-entry-into-north-carolina/?utm_source=openai)) - The carrier positions itself as a solution for coastal and wind-exposed property, subject to state and product‑specific wind guidelines and reinsurance capacity. Agents should review each state’s latest underwriting bulletin or appetite guide in MY180 for wind, distance‑to‑coast, roof age, and construction restrictions.([iianc.com](https://www.iianc.com/who-we-are/news/2023/04/11/welcome-orion180-to-iianc-s-ims-program?utm_source=openai)) Submission and underwriting process – operational expectations - All quoting and binding is intended to be done through the MY180 agent platform; this is the central system for eligibility, rate, forms, training and document management.([orion180.com](https://orion180.com/?utm_source=openai)) - Underwriting emphasizes: - Accurate address validation (matching county records) to avoid underwriting and inspection delays. - Clear occupancy/use details (primary vs secondary home; any rental or short‑term rental exposure) to ensure correct program placement. - Complete prior loss information, including confirmation of repairs. - Realistic replacement cost calculations based on current materials, labor and square footage. - Review of current guidelines prior to binding, with special attention to roof, electrical, plumbing, HVAC age and condition and how they affect coverage or sub‑limits.([orion180.com](https://orion180.com/blog/agent-blog/6-underwriting-tips-straight-from-our-experts-faster-quotes-fewer-headaches?utm_source=openai)) - Inspections: agent selects self‑inspection vs field inspection at quote; the inspection (photos/video or third‑party report) must be completed within carrier timeframes or coverage may not be maintained. Communicate this clearly to insureds.([bbb.org](https://www.bbb.org/us/fl/melbourne/profile/homeowners-insurance/orion180-insurance-services-llc-0733-235964563/complaints?utm_source=openai)) - For properties with potential eligibility concerns (age, condition, prior losses, coastal/wind, unusual features), agents are encouraged to use the “Write with Confidence” process by emailing a pre‑bind underwriting review request with address, occupancy, description of concern, and photos (including front/rear elevation).([orion180.com](https://orion180.com/blog/agent-blog/6-underwriting-tips-straight-from-our-experts-faster-quotes-fewer-headaches?utm_source=openai)) Broker / producer notes - Orion180 distributes through appointed independent agencies; agents have significant authority to quote and bind within programmed underwriting rules via MY180.([orion180.com](https://orion180.com/?utm_source=openai)) - Underwriting support is available by phone and dedicated underwriting email; agents are instructed to contact underwriting for edge cases, guideline interpretation, and pre‑approval where required (e.g., very old homes, unusual construction, or large schedules of collectibles). - Collectibles coverage is marketed as an add-on or companion product to existing Orion180 HO-3 accounts; producers should cross‑sell within the in‑force homeowner book and confirm that the insured’s homeowners policy is in an eligible state and carrier for the collectibles program.([orion180.com](https://orion180.com/collectibles-insurance-underwriting/?utm_source=openai)) Important caveats - Orion180 does not post a single, public, comprehensive HO‑3 underwriting manual; most detailed eligibility, risk appetite, and state‑by‑state restrictions are delivered inside protected agent resources and via state‑specific reference guides. The operational guidance above aggregates what is explicitly published plus directional details from a recent state reference guide and Orion180’s own underwriting blog. For actual placement, always rely on the current state/program guide and rules surfaced in MY180, and obtain written underwriting approval where indicated (e.g., pre‑1900 homes, unusual occupancies, large or unique collectibles).([orion180.com](https://orion180.com/collectibles-insurance-underwriting/?utm_source=openai))