OLD HARBOR INSURANCE
Your Advocate for Orion180 Fire Insurance in California
Your Advocate for Orion180 Fire Insurance in California
We’re here to help
Old Harbor Insurance Services works on behalf of California homeowners seeking reliable alternatives to fire insurance. We specialize in connecting qualified properties with Orion180 coverage designed for wildfire risk.
- Orion180 offers modern insurance solutions for catastrophe-exposed homes
- Plans are designed for properties that traditional insurers may restrict or decline
- Coverage availability is based on property risk and underwriting guidelines
As wildfires increase in frequency and severity across California, many standard carriers have stopped writing or renewing policies in fire-prone areas, forcing homeowners to rely on layered or alternative insurance solutions.
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A True Alternative to Traditional Home Insurance
Why Orion180 Stands Out:
- Purpose‑built underwriting for catastrophe exposure
- Coverage options tailored to wildfire‑prone properties
- Ideal when standard carriers restrict or decline coverage
- Financially strong, modern insurance carrier
Frequently Asked Questions
How Can We Help?
Why should I use an independent, local agent?
- No Obligations – We are able to obtain rates from multiple carriers, but remain your single point of contact for anything insurance related. Contrasted with companies such as Allstate, State Farm, Farmers, etc. that are only able to offer rates with a single company. We’re obliged to no one.
- Personal Connection – An independent agent is best suited to accommodate your needs as you transition through your life. We take getting to know you seriously, so we know how to best cover you and your family.
- Customer Service – We have real people on the other end of the phone and a real office you can walk into. No more 800 numbers with automated prompts, overseas customer service, or being transferred throughout numerous departments. Our number one priority is to serve you.
What types of alternatives exist to the FAIR Plan?
Alternatives may include specialty or emerging insurance carriers that are willing to write policies for properties that fall outside traditional underwriting guidelines. Availability and structure can vary by region and timing.
What is Orion 180 and why is it being discussed as an alternative?
Orion 180 is an established specialty insurance carrier that offers coverage options for certain properties that may otherwise fall under FAIR Plan guidelines. Old Harbor Insurance is a premier Orion 180 broker in Southern California, working with homeowners to evaluate this option as part of a broader strategy to move away from FAIR Plan coverage.
What is excluded from my insurance policy?
How does Old Harbor fit into this process?
Old Harbor works with homeowners currently on the FAIR Plan to review available options, explain differences between coverage approaches, and guide the transition process. After you submit your information, a member of the Old Harbor team reviews your situation and follows up to discuss next steps.