DP Landlord Insurance.
Real Choice.

Protect your property on your terms with DP Landlord Insurance from Orion180. We give you unprecedented choice in coverage, powerful tools to control your premium, and a superior claims and support experience when you need us.

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UNDERSTANDING DP LANDLORD INSURANCE

Beyond One Size Fits All

Orion180’s DP Landlord Insurance gives you real choice and control. Designed for property owners, it protects tenant-occupied properties and your financial interests. Get the protection you need, with less mandatory coverage, and adjust your premium, your deductible and an optional co-pay.

Why Choose DP Landlord Insurance

Customize, Select, and Save.

Real Choice in Your Policy

Get the protection you need and nothing you don’t. Everything but the core Dwelling coverage is excludable.

Customize Your Coverage

Start with basic perils like fire and lightning, then add optional perils like hail or tornado to meet your needs.

Options for Your Home

With diverse availability, including coastal areas, and a range of Coverage A limits, we’re here for your home.

Control Your Premium

Choose from a wide range of deductibles and even add an optional co-pay to control your annual premium costs.

Coverage Details

What DP Landlord Insurance Covers.

Dwelling

Coverage A protects your property’s main structure and anything permanently attached — like the foundation, garage, porch, or built-in fixtures.

Other Structures

Coverage B insures detached structures on your property, including fences, sheds, guest houses, or a separate garage used for storage or parking.

Landlord Property

Coverage C includes your belongings inside the property, like appliances or maintenance equipment. It does not include any tenant belongings.

Fair Rental Value

Coverage D, also called loss of use coverage, protects you financially if the property becomes uninhabitable due to a covered event.

Personal Liability

Coverage E protects you from legal, settlement, and court judgement costs if someone files a claim or lawsuit for injury or property damage on your property.

Medical Payments

Coverage F helps cover minor medical expenses if a guest is injured at your home, regardless of who’s at fault. It’s designed for small incidents, not major claims.

What DP Landlord Insurance Typically Doesn't Cover.

Tenant’s belongings — Tenant’s responsibility to insure.

Wear and tear — Aging or deterioration.

Flood — Requires separate policy. Explore coverage.

Earthquake — Not included.

Maintenance issues — Mold, pests, or neglect.

Vandalism/neglect — Often excluded when vacant.

Power failures — Surges or outages.

Government action — Seizure or demolition.

War/nuclear — Not covered.

WHAT PROPERTIES ARE ELIGIBLE FOR DP LANDLORD INSURANCE?

True Flexibility for Your Property.

Property Types

Single to four family dwellings, including houses, duplexes, triplexes and quadplexes. Townhomes are eligible with a firewall between units.

Rental Terms

Properties must be rented on a weekly, monthly, six-month, annual or long-term basis.

Entities

Individuals, trusts, and LLCs/Corporations with business operations that pertain to ownership and maintenance of rental properties.

Occupancy

Homes cannot be vacant, and cannot be occupied by more than one family or two unrelated tenants.

Why Choose Orion180

Premier Solutions.
Dependable Coverage.

Here When It Matters.

From strong financial ratings to fast, responsive claims, Orion180 delivers dependable coverage you can always count on. We show up in times of need.

Stay Connected with MY180.

Manage your policy your way. MY180 gives you fast, secure access to payments, policies and claims — anytime, anywhere.

Committed for the Future.

With over $120 billion in protected assets and zero state abandonment, Orion180 grows with discipline and stays invested in homeowners and communities for the long term.

Delivering Solutions Homeowners Count On.

4.8+ Google Rating for Compassionate Service, Claims, and Support.

Discount Opportunities

Get More From Your Coverage.

At Orion180, we help you get more from your policy. Work with your agent to explore the discounts that fit your needs.

Orion180 Companion Policy

For property owners who already have an existing Orion180 policy in force.

Loss-Free

Recognizes homeowners who haven’t filed a claim in recent years and show a strong history of responsible ownership.

Tree-Free Yard

Applies to homes without trees near the structure that could fall and cause damage.

Home Buyer

Designed for property owners who purchase a policy within 12 months of buying the property.

Golden Age

Available to policy holders 60 years of age or older.

Tankless Water Heater

Rewards homes with tankless water heaters that reduce leak risk, improve safety, and offer longer-lasting performance.

Military / First Responder

For active-duty personnel, veterans, reservists, and emergency service professionals.

Protective Devices

Applies to homes with monitored burglar alarms, fire alarms, or other safety systems.

FAQs

Common Questions About DP Landlord Insurance.

What is Orion180’s DP Landlord insurance?

Landlord insurance is a specialized policy that takes into account the unique needs of property owners who are renting out their properties to others. It considers additional risks updates coverages to better protect properties that are not owner-occupied.

Orion180's DP Landlord Insurance is designed with property owners in mind. We make it easy to customize coverage and find the right balance of cost and risk. Get the exact protection you need, and drop what you don't. Control your premium with a wide range of deductibles, an optional co-pay, and meaningful discount opportunities. Enjoy a superior insurance experience, with excellence in support and claims.

How is DP Landlord different from a traditional landlord insurance policy?

Traditional policies typically offer a more rigid, preset structure of coverages and deductible options. With DP Landlord, you get real choice in your covered perils and included coverages. We also offer you a true range of deductibles, with options on both the low and high end. Combined with our optional co-pay and discounts, we give you tools to take control of your policy and premium.

How can I customize my DP Landlord Insurance coverage?

DP Landlord Insurance by Orion180 offers you more customization opportunities than typical landlord insurance. We have limited mandatory perils, with some additional requirements for mortgaged homes, to let you customize your protection. You can also choose to exclude everything but the core dwelling coverage. If you don’t need premises liability or landlord property coverage, for example, you can remove it from your policy.

How can I control my premium costs?

Orion180 offers you a wide range of deductible choices, as well as an optional co-pay. Choose higher or lower deductibles, and add the co-pay, to balance your premium costs with your out-of-pocket costs in the event of a claim.

What's NOT covered — and should I add additional protection?

Discuss your specific policy with your insurance agent to understand exactly what is and is not covered. Two important considerations that are not covered by DP Landlord Insurance:

Tenant’s Belongings — Even in a covered event where damage or loss to the property occurs, the tenant’s belongings would not be covered. This would require a separate renters policy held by the tenant.
Flood Insurance — While water damage from different sources may be covered depending on the policy terms you choose, water damage caused by rising water outside of the home is not covered unless you have a separate flood insurance policy. Learn more about our Flood Insurance availability and discuss this important coverage with your agent.

How much coverage should I get?

Every property is different, and so is every policy. The amount of coverage you need depends on your home's size, age, location, and features. Work with an Orion180 agent to make sure you're covered without paying for more than you need.

How does Orion180 handle claims differently than other carriers?

We prioritize speed, clarity, and compassion at every step. You’ll speak directly with a live representative, not an automated system, and get guidance through the claims process with efficiency and empathy so you can focus on what matters most: rebuilding and moving forward.

How can I access my landlord insurance policy?

Orion180 policyholders can easily manage their policy through the MY180 platform, available via app and desktop. MY180 allows you to:

MY180 helps ensure you have clear visibility and control over your insurance policy when you need it.