Orion180 Insurance Agent in Yuba City, CA
Oakview Insurance Services is an independent agency in Yuba City appointed with Orion180. We write Orion180 FLEX homeowners and DP Landlord policies for California homes, including homes in wildfire areas where Orion180 has more appetite than most carriers, subject to underwriting.
Mariah Davis founded Oakview in her hometown of Yuba City in 2010.
- FLEX Homeowners and DP Landlord
- Surplus Lines Homeowners
- 850+ Five-Star Google Reviews
- Spanish-Speaking Agents
- Local Yuba City Office
Customizable Home Coverage, New to California
Orion180 is a Melbourne, Florida insurer that began operations in 2018. Its FLEX homeowners product lets the homeowner choose from a menu of perils and coverage combinations, set the deductible, and add an optional co-pay to lower the premium, and its public filings describe a two-year rate lock and a proprietary wildfire risk score used in underwriting. In June 2026, Orion180 completed a $1.15 billion reinsurance program for 2026 with a panel of 41 reinsurers, a capacity increase of more than 36% over 2025. Orion180 says its reinsurers carry AM Best ratings of A- or better or are fully collateralized.
Orion180 is new to California. Its 2026 public filings list California as an expansion state since September 2025, and its June 2026 release lists California among the states where FLEX and DP Landlord are available. Orion180 writes homeowners coverage on an excess and surplus lines basis, so policies are issued by a non-admitted insurer and are not protected by the California Insurance Guarantee Association (CIGA). In California, Oakview places surplus lines coverage only when the admitted market is not available for the home, and we place it through a licensed surplus lines broker. In our experience, Orion180 has a heavier appetite for homes in wildfire areas than most carriers we access. Not every home meets its criteria, though: the home's wildfire score, location, construction, condition, occupancy, and loss history all shape the decision, along with Orion180's capacity in the area, so availability varies by property and location.
Orion180 Coverage Through Oakview
Oakview writes Orion180 FLEX homeowners and DP Landlord policies in California. Coverage is subject to Orion180 underwriting, policy terms, limits, and exclusions.
Lead Program
FLEX Homeowners
FLEX is built for owner-occupied single-family homes deeded to the first named insured. Townhomes and secondary homes may be eligible in select cases, and rentals are not eligible. The policy covers the home, other structures on the property, and your belongings, and you choose which perils to cover, your deductible, and whether to add a co-pay for more savings. Loss of use, personal liability, and medical payments are optional add-ons, so we walk through each one with you before we bind. See our high fire area insurance page for how we approach homes in wildfire areas.
- Dwelling
- Other Structures
- Personal Property
- Loss of Use (optional)
- Personal Liability (optional)
- Medical Payments (optional)
DP Landlord
For rental homes with one to four units, including houses, duplexes, and townhomes with a firewall between units, rented weekly, monthly, for six months, or long term. Owners can be individuals, trusts, or LLCs and corporations. The policy covers the dwelling, other structures, and the landlord's property, with fair rental value in place of loss of use and premises liability in place of personal liability. Orion180's Companion Policy discount applies when a DP Landlord policyholder also has another Orion180 policy.
- Dwelling
- Fair Rental Value
- Premises Liability
What to Have Ready
Orion180 underwrites each home on its own details, so the more we know up front, the faster we can tell you whether it fits. Bring the address, year built, roof age and material, construction type, square footage, recent claims, and any wildfire mitigation you have done, such as ember-resistant vents, a Class A roof, or defensible space. Mitigation can help a submission, but it does not by itself guarantee eligibility or a discount. You can start the request before every document is ready.
Wildfire, Flood, and Earthquake in the Valley
Wildfire and the Foothills
Homes toward the Sierra foothills, in eastern Yuba County, and in Butte County are often the hardest to place. Orion180 underwrites with its own wildfire risk score for each home, and it is one of the first programs we check for these homes. Our high fire area insurance page covers the other options we can access.
After a Non-Renewal
If your carrier has non-renewed your home, call us before the policy ends. We check Orion180 alongside the other carriers and surplus lines markets we can access, and we look at the California FAIR Plan, the state's last-resort program, only after those options. Because Orion180 is a surplus lines insurer, we also go over the surplus lines disclosures with you before you buy.
Flood and the Levees
Standard homeowners policies generally do not cover flood damage. Much of Yuba City, Marysville, Plumas Lake, and Linda sits behind levees along the Feather and Yuba Rivers, and flood risk varies from one property to the next. Oakview writes flood coverage as a separate policy, and we can quote it alongside your Orion180 policy.
Earthquake
Standard California homeowners policies generally exclude earthquake damage. Earthquake protection is available through separate policies or eligible endorsements. Ask us to check earthquake options for your home when we quote your Orion180 policy.
Orion180 Policies and Who They Fit
| Coverage | Who it's for |
|---|---|
| FLEX Homeowners | Owner-occupied single-family homes deeded to the first named insured; townhomes and secondary homes in select cases. Availability varies by property and location |
| DP Landlord | Owners of one- to four-unit rental homes, including individuals, trusts, and LLCs |
Coverage is subject to Orion180 underwriting, policy terms, limits, and exclusions.
Why Work With Oakview on Orion180
Orion180 is a newer name in California, and a surplus lines policy works differently from a standard admitted policy. At Oakview, we explain those differences before you buy, review your coverage at renewal, and compare it with other carriers when that makes sense. Orion180 is one of more than 100 A-rated carriers we can access, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets. If Orion180 is not the right fit for your home, we can quote the other carriers we can access in the same conversation.
Our team is 20 dedicated insurance professionals, and two of our personal lines agents speak Spanish and can help with business and farm policies too. We have earned 850+ five-star Google reviews, and Oakview was voted Best Insurance Agency, Best Agent, and Best Customer Service in the Appeal-Democrat's Best of Yuba-Sutter-Colusa readers' poll, multiple years. Read our reviews on Google, or call us at (530) 674-5054.
Where We Write Orion180 Coverage
We work with clients throughout California, with a focus on Northern California and the communities below.
Our Office
Oakview Insurance Services, Inc.
1670 Sierra Ave Ste 303, Yuba City, CA 95993
(530) 674-5054 · info@oakviewins.com
Oakview is licensed in California, Oregon, Washington, Nevada, Idaho, and Arizona.
Yuba-Sutter
Our home base: Yuba City, Marysville, Linda, Plumas Lake, Live Oak, and Wheatland, along with Sutter, Meridian, and Loma Rica.
Butte and Colusa Counties
North of the office we serve Chico, Oroville, and Gridley in Butte County, and Colusa and Williams to the west.
Greater Sacramento
To the south we work with clients in North Natomas, Sacramento, Roseville, Rocklin, Lincoln, and Woodland.
Orion180 Insurance Questions, Answered
Is Oakview an appointed Orion180 agent?
Yes. Oakview Insurance Services is an independent agency appointed with Orion180, and we can quote and service Orion180 FLEX homeowners and DP Landlord policies in California. Orion180 does not publish a public agent locator listing for our office. We are a local independent agency, not an Orion180 employee or a captive agent.
What is Orion180 FLEX homeowners insurance?
FLEX is Orion180's customizable homeowners policy. You choose which perils to cover, your deductible, and whether to add an optional co-pay to lower the premium, and Orion180's public filings describe a two-year rate lock. Loss of use, personal liability, and medical payments are optional add-ons, so ask us to include the ones you need.
Is Orion180 admitted or surplus lines in California?
Orion180 writes homeowners coverage on an excess and surplus lines basis, so your policy is issued by a non-admitted insurer. Surplus lines policies are not protected by the California Insurance Guarantee Association (CIGA). We place surplus lines coverage only when the admitted market is not available for the home, working through a licensed surplus lines broker, and we go over the disclosures with you before you buy.
Will Orion180 write my home in a high fire area?
Often it will consider it. In our experience, Orion180 has a heavier appetite for homes in wildfire areas than most carriers we access, and it uses its own wildfire risk score for each home. Not every home meets its criteria: the wildfire score, location, construction, condition, occupancy, and loss history all shape the decision, along with Orion180's capacity in the area, so availability varies by property and location.
Which homes are eligible for FLEX?
FLEX is for owner-occupied single-family homes deeded to the first named insured. Townhomes and secondary homes may be eligible in select cases. Rental homes are not eligible for FLEX, but Orion180's DP Landlord policy covers one- to four-unit rentals.
Does Orion180 cover rental properties?
Yes, through DP Landlord. It covers one- to four-unit rental homes, including duplexes and townhomes with a firewall between units, owned by individuals, trusts, or LLCs and corporations. It provides fair rental value instead of loss of use and premises liability instead of personal liability.
Does an Orion180 policy cover flood or earthquake?
Standard homeowners policies generally do not cover flood damage, and standard California homeowners policies generally exclude earthquake damage. Earthquake protection is available through separate policies or eligible endorsements. Oakview writes flood as a separate policy, and we can check earthquake options when we quote your home.
Why work with Oakview instead of going to Orion180 directly?
With Oakview, your agent is a local office that can also quote the other carriers and surplus lines markets we can access. If Orion180 is not the best fit for your home, we will tell you and show you what is. You can fill out our online quote form or call (530) 674-5054.
Does Oakview serve Orion180 clients outside Yuba City?
Yes. We work with clients throughout California, with a focus on Yuba-Sutter, Butte and Colusa Counties, and greater Sacramento. Existing Orion180 policyholders can find claims and billing contacts on our carriers page.
Talk to a Local Orion180 Agent
Tell us about your home or rental, and we will check whether Orion180 is a fit. If another carrier fits better, we will tell you that too.
Oakview Insurance Services, Inc. | 1670 Sierra Ave Ste 303, Yuba City CA 95993 | CA License #0L91635 | (530) 674-5054 | info@oakviewins.com | Licensed in CA, OR, WA, NV, ID, AZ | Orion180 and FLEX are names of Orion180 and its affiliates. Orion180 homeowners policies in California are issued on a surplus lines basis by a non-admitted insurer and are not protected by the California Insurance Guarantee Association. Oakview Insurance Services is an independent insurance agency appointed with Orion180 and is not owned or operated by Orion180. Coverage is subject to carrier underwriting guidelines and availability. This page is for informational purposes only and is not a commitment to insure.