Home insurance, made simple

Protect your home, and everything in it.

We compare 70+ top-rated carriers to cover your dwelling, your belongings, your liability, and the cost of living elsewhere while repairs happen — clear, complete, and priced right.

A licensed advisor, at no cost to youEvery kind of home, covered70+ carriers compared for you
A protected family homeA modern condo buildingA manufactured homeA cozy rented apartment interiorA rental property exterior

Home coverage backed by carriers you know and trust

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Every kind of home

One agency for everything you live in and own.

Pick your property type to see how coverage looks for it — then add your ZIP to start. From first homes to rentals you own, we place it all.

How it works
Best fit
Important to understand
Now showing . Everything here is tailored to it.

Protect your home for the right price.

Get the coverage your property needs at a price that makes sense, with a licensed advisor who's genuinely on your side. One short step starts it.

Comparing OnePoint insurance quotes on a phone
How coverage stacks

Cover the basics first. Add only what fits.

Here's the whole idea in one glance: a few core coverages do most of the work, and optional add-ons fill the specific gaps they leave behind.

The simple version

Two jobs. One protection strategy.

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Optional add-ons

Supplemental coverage

Helps with specific gaps such as accidents, hospital stays, critical illness, dental, or vision.

Start here

Major medical

Handles broad covered care: doctors, prescriptions, emergencies, hospital care, and surgery.

01Choose major medical first.02Add a cushion only where it fits your life.
Cover by cover

What a home policy can put around your house.

Some parts come as standard and others you add on. Here is what each one pays for, so you can see where your home stands today.

Dwelling coverage

Dwelling

Rebuilds the structure of your home itself after a covered loss like fire or storm.

Other structures coverage

Other structures

Fences, sheds, and detached garages not attached to the house.

Personal property coverage

Personal property

Furniture, electronics, and the belongings inside your home.

Loss of use coverage

Loss of use

Hotel and living costs while your home is repaired and unlivable.

Liability coverage

Liability

If someone is injured on your property, this covers the claim and legal costs.

Water backup and sump overflow coverage

Water backup

Pays when a drain or sump pump backs up into the house. A standard policy excludes it.

Scheduled personal property coverage

Scheduled items

Insures a ring, instrument or collection for its full value, above the usual per-item cap.

Equipment breakdown coverage

Equipment breakdown

Covers the furnace, water heater or built-in appliance when the machinery itself fails.

Service line coverage

Service lines

Covers the buried water, sewer or power line running to your house, which you own and pay to dig up.

Extended replacement cost coverage

Extended replacement cost

Adds a cushion above your dwelling limit for when rebuild costs come in higher than expected.

Getting covered

Four simple steps to peace of mind.

No jargon, no pressure. We make protecting your home straightforward, start to finish.

Get started

Fill out a quote form or call us

Reach out the way that is easiest. Share a few details about your home and our team takes it from there.

Compare your options

We shop. You choose.

We compare 70+ top-rated carriers for the right home coverage, value, and discounts.

Select your coverage

Tailored. Clear. Confident.

We walk you through your choices so you pick the protection that fits your home and your budget.

Get your policy

You're protected. We're here for you.

Your policy is active and your home is covered. Count on us for service and support whenever you need it.

5.0 on Google

Trusted by homeowners across 18 states.

A perfect 5.0 rating. Here is what switching looked like for a few of them.

No. Comparing is completely free and there is no obligation to switch. You only move if a better option makes sense for you.

It varies and rates change, so we cannot promise a number. Bundling home and auto is where most clients save the most, often 10 to 25 percent.

Standard home policies exclude flood. We can add a separate flood policy so you are protected. Use the selector above to see flood coverage.

Enough to rebuild your home, not its market value. We help you set the replacement cost so you are not underinsured after a major loss.

Not at all. We also cover condos, mobile homes, renters, landlords, flood, and umbrella. Use the selector above to see each one.

OnePoint Insurance Agency

One independent agency, 70+ carriers, 18 states. Real advisors who shop it for you and stay with you long after the policy starts.

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