Old Harbor Insurance Services

OLD HARBOR INSURANCE

Orion180 Insurance Plans for California Homeowners

We’re Here To Help

Your Advocate for Orion180 Fire Insurance in California

We’re here to help

Old Harbor Insurance Services helps California homeowners secure alternatives to traditional fire insurance through Orion180.

Orion180 provides modern coverage options for homes in higher-risk areas where standard carriers may restrict or decline policies. Each property is evaluated through precision underwriting based on its individual risk profile.

Eligibility depends on location, property characteristics, and underwriting guidelines.

If your current options are limited due to wildfire exposure, we can help determine if Orion180 is a fit.

Check My Orion180 Eligibility

A True Alternative to Traditional Home Insurance

Why Orion180 Stands Out:

  • Purpose-built for catastrophe and wildfire exposure
  • Modern underwriting using advanced risk analytics
  • Homeowner-focused plans aligned with California conditions
  • Financially strong, technology driven carrier
Access Orion180 homeowner’s insurance plans through Old Harbor Insurance Services — built for wildfire-prone and high-risk California homes.
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Frequently Asked Questions

How Can We Help?

  • 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.

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.

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.

Each line of business typically has a number of industry-wide standard exclusions. For example, homeowner’s insurance always excludes flood and earth movement. Policy exclusions will always be listed in the policy you receive from your carrier. It is important to review your policy in its entirety. If you have any questions concerning exclusions, please consult with an Old Harbor insurance professional.

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.

See If I Qualify