Premium Insurance Solutions | OnePoint Insurance Agency (Mobile)

Auto Insurance

Drive confident. We’ve got you covered.

Auto protection for every road, every driver, every budget.

We serve families & businesses in

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Compare rates in minutes

Homeowners

Your home holds more than belongings.

Protect the place where life happens, simple coverage for real life.

Helping clients across

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Get a homeowners quote

Health

Your health, your choice, your peace of mind.

Plans that fit your needs, budget, and lifestyle, without the stress.

We serve families & businesses in

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Find your health plan

Business

Protect your business. Protect your future.

From startups to scale-ups, coverage that keeps you building.

We serve families & businesses in

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Business quote

Life

Protect the people you love most.

Financial security and peace of mind for every stage of life.

We serve families & businesses in

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Life quote

Disability Income

Protect your paycheck. Protect your business.

If you can’t work, your income shouldn’t stop. Keep cash flowing.

We serve families & businesses in

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Get covered

Premium Insurance Solutions | OnePoint Insurance Agency

Your Car Is More Than Transportation, It’s How You Live, Work, and Connect Body

From daily commutes to spontaneous road trips, Auto Insurance keeps you, your passengers, and your vehicle protected. Drive with confidence knowing you’re covered for life’s unexpected turns

Serving Clients in

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Compare Rates in Minutes

Your Home Holds More Than Belongings, It Holds Your Life’s Most Important Moment

Your home is more than walls and a roof, it’s where life happens. Homeowners Insurance keeps it safe from life’s unexpected events, so you can focus on making memories

Helping Clients Across

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Get Your Homeowners Insurance Quote Today

Your Health, Your Choice, Your Peace of Mind Body

Stay protected with plans that work for your needs, budget, and lifestyle. OnePoint makes Health Insurance simple, so you can focus on living well.

Serving Families and Businesses in

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Find Your Health Plan & Get Covered Today

Protect Your Business. Protect Your Future. Body

From startups to established companies, Business Insurance safeguards what you’ve worked hard to build, so you can focus on growth with confidence.

Serving Families and Businesses in

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Get Your Business Insurance Quote Today

Protect the People You Love Most Body

Life changes, your protection should too. Life Insurance gives your family financial security and peace of mind for every stage of life.

Serving Families and Businesses in

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Get Your Life Insurance Quote Today

Protect Your Paycheck. Protect Your Business. Body

If you can’t work, your income shouldn’t stop. Disability Income Insurance keeps money coming in, whether you’re earning a salary or running your own business.

Serving Families and Businesses in

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Get Covered & Keep Your Income Flowing

Auto

Homeowners

Health

Business

Life

Disability

Event

Travel

Insurance Cards

Auto

Homeowners

Health

Business

Life

Disability Income

Travelers

Event Insurance

Hospitalization

Health Coverage when you need it most.

Auto Insurance

Drive confidently with complete coverage.

Business Insurance

Protect your business operations and assets.

Homeowner

Security and peace for your property and family.

Term Life

Support and legacy protection for your loved ones.

Disability Income

Stay financially stable during disability periods.

Insurance That Meets You Where You Are

At home. On the road. At work. Building your future

Comprehensive, flexible coverage designed to protect your life, assets, and future with simplicity and care.

Auto

Auto Insurance

Your primary coverage for personal vehicles, including liability, collision, and comprehensive protection.

Antique/Classic Car

Specialized coverage for vintage and collector vehicles with agreed value protection.

Motorcycle Insurance

Full coverage for riders with customizable protection and roadside assistance.

ATV Insurance

Coverage for off-road vehicles used for recreation or work on private property.

RV & Travel Trailer

Full-time or seasonal coverage for motorhomes, fifth wheels, and travel trailers.

Boat & Watercraft Insurance

Protection for motorboats, jet skis, and yachts against damage and liability.

Snowmobile Insurance

Coverage for winter riders, including trail accidents and equipment damage.

Scooter Insurance

Affordable protection for electric and gas-powered scooters in urban areas.

Homeowners

Homeowners Insurance

Protect your home from fire, storms, theft, and liability claims.

Condo Insurance

Coverage for unit interiors, personal property, and liability in condominiums.

Flood Insurance

Essential protection against water damage from floods, not covered in standard policies.

Landlord Insurance

Income protection and property coverage for rental property owners.

Mobile Home Insurance

Tailored coverage for manufactured homes, including transport and setup risks.

Renters Insurance

Cover your personal belongings and liability even if you don’t own your home.

Umbrella Insurance

Extra liability coverage beyond standard home or auto policy limits.

Health

Health Insurance

Comprehensive medical coverage for individuals, families, and businesses.

Health/ACA Insurance

Individual and family plans compliant with Affordable Care Act standards.

Short-Term Medical

Temporary coverage for gaps in insurance, up to 364 days.

Dental Insurance

Preventive, basic, and major dental care including cleanings and crowns.

Vision Insurance

Eye exams, glasses, and contact lenses at discounted network rates.

Medicare Advantage

All-in-one alternative to Original Medicare with extra benefits.

Accident Insurance

Lump-sum payout for covered injuries from accidents.

Hospitalization Insurance

Cash benefits paid directly to you if hospitalized.

Group Health Insurance

Employer-sponsored medical, dental, and vision plans.

International Travel Insurance

Medical, evacuation, and trip protection for global travelers.

Business

Business Insurance

Protect your company from liability, property damage, and operational risks.

Commercial Auto

Vehicle coverage for company-owned cars, vans, and trucks.

Trucking

Specialized liability and cargo coverage for owner-operators and fleets.

Cyber

Protection against data breaches, ransomware, and privacy lawsuits.

Commercial Property Insurance

Cover buildings, inventory, and equipment against fire, theft, and storms.

General Liability

Protection from third-party injury, property damage, and advertising claims.

Professional Liability/E&O

Coverage for negligence, errors, or omissions in professional services.

Malpractice Insurance

Liability protection for healthcare providers against patient claims.

Sport Insurance

Liability and accident coverage for sports leagues, tournaments, and gyms.

Workers Compensation

Medical and wage benefits for employees injured on the job.

Business Owner's Policy (BOP)

Bundled property and liability coverage for small to mid-sized businesses.

Liquor Liability

Protection for bars, restaurants, and events serving alcohol.

Commercial Umbrella

Extra liability coverage beyond primary policy limits.

Garage Insurance

For auto repair shops, gas stations, and vehicle storage facilities.

Event Insurance

Protection for cancellations, property damage, and liability at events.

Life

Life Insurance

Secure your family’s financial future with reliable death benefit protection.

Term Life

Affordable coverage for 10–30 years to protect your family’s financial future.

Whole Life

Lifetime coverage with cash value growth and guaranteed benefits.

Final Expense

Small policy to cover funeral, medical, and end-of-life costs.

Universal Life

Flexible premiums and death benefits with cash accumulation.

Index Universal Life

Cash value linked to market index performance with downside protection.

Long Term Care

Coverage for nursing homes, assisted living, and in-home care.

Short Term Care

Flexible, affordable coverage for temporary care needs.

Annuity

Secure retirement income with fixed, variable, or indexed options.

Group Life

Employer-provided life coverage for employees and dependents.

Critical Illness

Lump-sum payment upon diagnosis of cancer, heart attack, or stroke.

Disability Income

Replace lost income if illness or injury prevents you from working.

Business Overhead Disability

Covers fixed business expenses if the owner is disabled.

Group Disability Income

Employer-sponsored income protection for disabled employees.

Individual Disability Income

Personal income replacement if you're unable to work due to illness or injury.

Long-Term Disability

Extended income protection for disabilities lasting over a year.

Short-Term Disability

Income replacement for temporary disabilities (3–12 months).

Health

Auto

Business

Homeowner

Life

Disability Income

Real People, Real Coverage

From 9-to-5ers to business owners we insure everyday heroes just like you

Real People, Real Results

We specialize in

Auto Insurance

Personal & Commercial

Learn More

Homeowners, Renters, and Flood

Learn More

Business Insurance

General Liability, Workers Comp, Cyber, Trucking & More

Learn More

Health & Medicare Plans

Learn More

Life Insurance

Term, Whole, Final Expense, and IUL

Learn More

Working and insured man under critical illess and disability income

Disability, Critical Illness & Long-Term Care

Learn More

Insurance That Meets You Where You Are

At home. On the road. At work. Building your future

Protecting your home or apartment

Covering your car or health needs

Preparing for the road ahead with retirement coverage options

Securing income protection during life’s unexpected turns

Planning for your family’s future with life insurance

Or safeguarding your business, employees, and commercial vehicles

We offer flexible, expert-backed coverage for real people living real lives.

Featured Carriers We Trust

See Full Carrier List

Client Tools

File A Claim

Start the process of reporting an insurance claim.

01 File Claim

Update My Policy Info

Modify contact, coverage, or account details.

02 Policy Update

Upload Document

Send us necessary documents securely online.

03 Upload Document

Policy Review Request

Request a full review of your current policy.

04 Request Review

Schedule A Call

Book a call with your insurance advisor.

05 Schedule Call

Client Tools

Whether it’s for your family, your fleet, or your future, we’ve got you covered.

No pressure. No spam. Just honest guidance.

Insurance for Individuals, Families & Businesses

No matter who you are we’ve got coverage that fits your life

Personal Insurance

Coverage for life’s milestones from your first apartment to your family home, your first car to your retirement plan.

Auto. Home. Life. Health. Disability Income. Accident. Critical illness. Hospitalization insurance Peace of mind at every stage

African American woman business owner smiling while opening the front door of her small shop, wearing a denim shirt and beige apron, with 'Business Insurance' text overlay — promoting small business insurance and storefront coverage

Business Insurance

Protect your business, your staff, and your assets,whether you operate from home or manage a fleet..

Commercial auto, general liability, workers comp, property, and more.

Real People, Real Coverage

From 9-to-5ers to business owners we insure everyday heroes just like you

Whether you're clocking in, running a crew, or building something from scratch, OnePoint is here with insurance that fits your lifestyle, your risks, and your goals

Real PEOPLE FEEDBACKS

Trusted by Clients – Delivering Excellence and Reliability Across Borders.

Learn with OnePoint

Real answers. Straight talk. Insurance made simple.

OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.

Life Insurance 101: How Much Do You Really Need?

Health Plans Decoded: Copays, Deductibles, and What They Really Mean

Browse the Learning Hub

Small Call to Action Headline

Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.

OnePoint Insurance Resources

Business Insurance

Insurance doesn't have to be complicated. Get easy explanations for all your questions.

Health Insurance

Insurance doesn't have to be complicated. Get easy explanations for all your questions.

Auto Insurance

Insurance doesn't have to be complicated. Get easy explanations for all your questions

Home Insurance

Insurance doesn't have to be complicated. Get easy explanations for all your questions

Talk to a Real Agent

Call, text, or click. We’re ready when you are.

888-899-8117

[email protected]

555 NorthPoint Center E, Alpharetta

Georgia. 30022

OnePoint Insurance Blog

A person under auto insurance having a good thumbs up for onepoint insurance

What Is Comprehensive Coverage in Auto Insurance?

Auto Insurance Learn

July 15, 2025•3 min read

What Is Comprehensive Coverage in Auto Insurance?

The Coverage You Need for Life’s Unexpected Twists

Accidents aren’t the only way your car can take a hit. Think: hailstorms, falling trees, theft, or even a mischievous raccoon chewing through your wiring (yes, that happens). That’s where comprehensive coverage shines it protects your car from non-collision damage that’s totally out of your control.

At OnePoint Insurance Agency, we help drivers in Georgia, Florida, Texas, Illinois, and beyond understand what’s under the hood of their policy minus the jargon.

What Comprehensive Insurance Covers

Also known as “other than collision” coverage, comprehensive insurance helps pay for your car’s repairs or replacement when bad stuff happens that’s not a crash.

Common Events Covered:

Theft – Vehicle stolen? You’re covered for the value.
Vandalism – Broken windows, graffiti, slashed tires.
Weather Damage – Hail, wind, lightning, floods.
Fire – Whether spontaneous or accident-related.
Falling Objects – Tree limbs, roof tiles, storm debris.
Natural Disasters – Hurricanes, earthquakes, tornadoes.
Animal Collisions – Deer, raccoons, etc.
Glass Damage – Windshield cracks or shattered windows.

Benefits:

Covers high-cost, out-of-your-control events
Often required by lenders for leased or financed vehicles
Offers peace of mind if you live in stormy or high-theft areas

What Comprehensive Doesn’t Cover

Comprehensive coverage is powerful but it has its limits.

Collision Damage – If you hit a car or object, that’s for collision insurance.
Medical Expenses – Use PIP or MedPay for injuries.
Wear & Tear – Rust, blown engines, or old parts aren’t included.
Personal Items Stolen From Your Car – Covered by homeowners or renters insurance.
Costs Beyond the Car’s Value – Most policies cap payouts at your vehicle’s actual cash value (ACV) minus your deductible.

Pro tip: Want lower out-of-pocket risk? Go with a lower deductible or bundle with collision coverage.

Who Should Consider Comprehensive Insurance?

While it’s not legally required by your state, comprehensive coverage makes sense for a lot of people.

It’s ideal for:

Drivers with new or valuable vehicles
→ If replacing your car would hurt your wallet, this is a must.
Storm-prone locations
→ Georgia storms, Florida hurricanes, Texas hail? Say less.
Urban residents
→ Higher risk of theft and vandalism means more need for protection.
Leased or financed vehicles
→ Lenders almost always require it.
Street parkers
→ No garage? You’re exposed to a world of unpredictable risk.

Frequently Asked Questions

Is comprehensive insurance required by law?

Nope. But it’s commonly required by lenders or leasing companies and smart to carry even if it’s optional.

What’s the difference between comprehensive and collision coverage?

Comprehensive = non-crash damage (theft, fire, weather, animals)
Collision = crash-related damage (hitting another car or object)

Does comprehensive cover personal items stolen from my car?

No. It covers the vehicle—not items inside. For that, use your homeowners or renters policy.

Does it cover windshield damage?

Yes, in most cases. Some policies also let you add a full glass rider, which covers windshield repairs or replacements with little or no deductible.

How OnePoint Can Help

At OnePoint Insurance Agency, we don’t just sell policies we customize protection that fits your life, your vehicle, and your budget.

Because we’re independent, we compare rates from multiple top-rated carriers to get you the right mix of coverage and value.

Our licensed experts help you:

Understand how much coverage you need
Choose smart deductibles
Add riders like glass or rental reimbursement
Bundle policies for savings

We keep it local, honest, and transparent. That’s the OnePoint difference.

Get a Quote or Learn More

Get a Free Auto Insurance Quote

Talk to a Local Advisor

Explore Our Insurance Education Hub

Stay informed, Be protected. Sign up for OnePoint’s Monthly Insurance update

Lead Capture (Scoped)

Stay covered. Stay informed.

Get insurance tips, plan updates, and exclusive offers from OnePoint.

We respect your time and your inbox. Unsubscribe anytime.

Coverage Area Map

We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.