Orion180, a leading provider of flexible, customer-focused homeowners and flood insurance solutions, has launched its new FLEX Home Insurance product across 14 coastal counties in Florida.

The launch comes in response to Florida’s escalating insurance crisis, driven by frequent hurricanes, flooding, and other natural disasters.

Homeowners in the state face some of the highest insurance premiums in the US, with an annual average of $5,340, according to data from Bankrate.

Despite this, 18.1% of homes in Florida remain uninsured, placing it among the top ten states with the highest rates of uninsured properties. Miami-Dade, in particular, stands out as the most at-risk county nationwide.

Orion180 provides innovative, customer-centric insurance solutions that are designed to address gaps in traditional home and flood coverage. Its mission is to offer flexible and transparent insurance products that adapt to homeowners’ individual needs and financial circumstances.

The new FLEX Home Insurance product empowers Florida homeowners to tailor their insurance policies according to their specific risk tolerance and budgets.

FLEX allows users to customise coverages and select from a variety of deductibles and co-payments, giving them greater control over how they manage both upfront and long-term costs.

Beyond basic coverage, FLEX includes several features aimed at rewarding and protecting policyholders. Homeowners with a claims-free history may qualify for a bonus of up to 100% of their first-year premium.

Additionally, the product includes a rate-locking feature, enabling customers to extend their policy terms and protect themselves from rising insurance rates.

FLEX is now available through a network of select insurance agents across 14 coastal counties in Florida, including Miami-Dade, Broward, Palm Beach, Hillsborough, Pinellas, Lee, Sarasota, Manatee, Brevard, St. Lucie, Collier, Martin, Charlotte, and Indian River.

Orion180 CEO Ken Gregg said, “Standard home insurance policies are outdated for today’s consumer, and a lot of time do not align with the individual’s budget and interest. FLEX gives homeowners the power of choice. The policy is flexible and allows consumers to choose coverages that fit their individual needs and budget.”