Orion180 Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Orion180 Score
5 Stars
Orion180 was founded in 2016. The company offers homeowners insurance and related products in Indiana, Ohio, Arizona, Mississippi, Alabama, Georgia, South Carolina, and North Carolina. Orion180 uses a trademarked software platform to determine quotes for each policyholder based on several underwriting factors, such as claims history, property age, construction, and size.
We award Orion180 a final rating of 5 out of 5 stars. While the company is relatively new, it has accomplished quite a lot. It is highly rated by the Better Business Bureau and receives an "A" rating from Demotech, a nationally recognized leader in assessing insurance companies.
The company's focus on a limited product line in a small number of states allows it to excel in those areas in both product offerings and service capabilities. The insurance company provides 24/7 claims reporting via phone, online, or mobile app, as well as online bill pay and account management.
It is challenging to find any customer feedback about the insurance company online, but the few reviews that are available are all positive. If you are in the market for homeowners insurance coverage in Orion180's coverage area, ask an independent insurance agent to help you get a quote.
Orion180 Pros and Cons
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Orion180 Products
Orion180 specializes in homeowners insurance and related products in 8 states. The company's coverage offerings are as follows:
- Homeowners insurance
- Flood insurance
- Home electronics protection
- Collectibles insurance
Product availability varies by state. Your independent insurance agent can help you find more information about the coverage offered by Orion180 and help you decide if this insurance company is right for you.
Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs.
What Discounts Does Orion180 Offer?
For those who qualify, Orion180 offers the following discounts on its homeowners insurance policies:
- Golden age discount: For those 60 years and older.
- Military and first responders discount: For military veterans and those currently serving in the armed forces, as well as firefighters, police officers, paramedics, and other emergency responders.
- Installed home security system discount: Discount for installing burglar alarms, fire alarms, and other security systems that are connected to a central station.
- Secured community discount: If your home is in a secured community with 24-hour manned security or a passkey gate then you may be eligible for discounts.
- Tankless water heater: For homeowners with a tankless water heater, which lowers risk, enhances safety, is energy efficient, and has an extended lifespan.
- International residential building code compliance discount: Rewards you for strengthening the structure of your home as well as installing approved mechanical systems. Installing plumbing, heating, and cooling systems that comply with the International Residential Building Code can also result in discounts.
- Window and door protection discount: For homes with approved coverings, hurricane shutters, or impact glass for all windows and doors.
An independent insurance agent can help you get a quote and find all of the ways you can save with Orion180.
Connect with an Orion 180 Agent Today.
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Orion180 Customer Service
Orion180 offers 24/7 online, phone, or mobile app claims reporting for its policyholders. The carrier also provides the following customer service options.
- Online bill pay
- Email and online contact form option
- Insured user portal
Customer service is available during the following business hours:
| Days | Hours (Eastern) | ||
| Monday-Friday | 8 am - 5 pm | ||
| Saturday | Closed | ||
| Sunday | Closed |
The best way to make sure you have a good customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you.
Orion180 FAQs
Orion180 states the following about the timeline of its claims process:
"At Orion180, the moment your claim is received our team goes to work, processing and evaluating immediately. We understand the importance of responsiveness and empathy when an unexpected event strikes and employ the golden rule; we treat your claim the way we would want ours treated should the same experience befall us. Our claims process is among the lowest in the industry, with the average claim age under 30 days."
Orion180 allows 24/7 phone, online, and mobile app claims reporting for its customers to file claims. Their business hours are displayed on the carrier’s official website, social media pages, and when calling the carrier. The carrier’s social media presence extends across Facebook and LinkedIn, which makes them a bit more accessible to customers.
Orion180 provides the following information about its claims process:
1. Claim Creation
Report your claim for a catastrophic event to 866-590-3550 or claims@orion180.com.
For All Other Perils (AOP), report your claim to 866-590-3550: Option 1, or claims@orion180.com
2. Follow-Up
Catastrophic claims: A claims specialist reaches out with a 24-hour target (maximum allowed 72) to establish if emergency resources are necessary.
AOP claims: A claims specialist reaches out with a 24-hour target (maximum allowed 48), to establish claim incident details and decide if emergency resources are necessary.
3. Inspection
Catastrophic and AOP claims: Field inspector arrives based on insured’s availability and urgency of the damage for a full inspection to evaluate the extent/cause of damage.
4. Scope & Report
Catastrophic and AOP claims: Field inspectors provide scope and report to the claims specialist with a detailed explanation of the damages and extent, and send recommendations to the claims specialist.
5. Estimate
Catastrophic and AOP claims: Claims specialist coordinates with the field inspectors, applies coverages, validates estimates, deciphers validity of the claim, and submits to Orion180 for review of Riverwood Claims Management's recommendations.
6. Conclusion
Catastrophic claims: Closing text or email to claimant advising settlement package should arrive within 5-7 days with claims specialist's contact information.
AOP claims: What to expect from the claims specialist:
- Claim review
- Closing call
- Claim settlement package
Orion180’s official website could use an update. But it does provide detailed information about its homeowners coverage and what to expect when you file a claim. Online bill pay is available, as is 24/7 claims reporting via phone, online, or mobile app, which are great, modern customer service features.
https://orion180.com