Ready to Protect Your Home?
Compare quotes from 30+ top carriers in minutes and get coverage tailored to your life, not a one-size-fits-all policy.
What's Covered?
Standard homeowners insurance typically includes:
Dwelling Coverage
Repairs/rebuilds your home if it’s damaged.
Other Structures
Covers belongings inside the home.
Personal Property
Covers belongings inside the home.
Liability Protection
Legal coverage if someone is injured on your property.
Loss of Use
Pays for hotels/living expenses if you’re displaced.
Medical Payments
Covers small medical bills for guests injured on-site.
Popular Endorsements & Add-Ons
Different carriers offer these under various names, but these optional coverages enhance your protection:
Water Backup/Sump Pump Overflow
Covers damage from water backing up into your home via sewers or drains.
Service Line Coverage
Protects underground pipes and wiring (sewer, water, electric) from damage
Equipment Breakdown Coverage
Pays for repair/replacement of appliances, HVAC, or electrical systems from mechanical failure.
Ordinance or Law Coverage
Covers the cost of upgrading your home to current codes during repairs.
Extended or Guaranteed Replacement Cost
Increases dwelling limits above policy limits if rebuilding costs exceed expectations.
Scheduled Personal Property
Extra protection for high-value items: jewelry, watches, art, collectibles, firearms.
Home Cyber Protection
Covers identity theft, cyberattacks, and online fraud incidents
Inflation Guard
Automatically increases your dwelling coverage annually to match inflation.
Loss Assessment Coverage (HOAs)
Covers your share of a loss assessed by a homeowners association.
Pet Liability
Adds or increases liability coverage for damage/injury caused by pets.
Business Property Coverage
Expands limits for business equipment stored or used in your home.
Short-Term Rental Endorsement
Covers damages and liability during Airbnb or Vrbo stays
Flood Insurance (NFIP or Private Market)
Covers losses from rising water or storm surge NOT in a standard policy.
Earthquake Insurance
Available in seismic zones; protects against quake damage
Additional Coverage Options
Depending on your needs, consider these add-ons:
Flood Insurance
Essential for homes in flood-prone areas
Earthquake Coverage
Protects against seismic events.
Scheduled Personal Property
For high-value items like jewelry or art
Home Business Coverage
Essential for homes in flood-prone areas
Not Sure What You Need?
Every home is different and every homeowner’s needs are unique. Our advisors are ready to review your existing policy, uncover gaps, and recommend the right endorsements based on your:
Home’s age and construction
Value of personal property
Risk of flood, earthquake, or wildfire
Usage (primary, secondary, rental)
Lifestyle and liability risks
Ready to Protect Your Home?
Don't wait until it's too late. Ensure your home and belongings are safeguarded
Types of Homes We Cover
Find
Own your home?
Likely need HO-3 or HO-5
Rent?
Go with HO-4
Own a condo?
Use HO-6
Rent property to others?
Consider a DP-3 Landlord Policy (not HO series but related)
Have a mobile home?
Choose HO-7
Restoring a historic home?
HO-8 may be required
Bundle & Save
Bundle your home, auto, and life insurance with OnePoint and unlock exclusive discounts. One form. One team. OnePoint.
What Affects Your Premium?
We believe in transparency. These are some of the top factors that can impact your homeowners rate:
Location & ZIP code
Age & construction of your home
Home security features
Claims history
Bundling policies
Credit history (in some states)
Want to see your personalized rate? Just answer a few quick questions.
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Frequently Asked Questions
Do I need homeowners insurance if I own my home outright?
Yes! While your lender may not require it anymore, protecting your home and assets is always smart.
How quickly can I get a policy?
Most policies can be activated same-day even within hours.
Can I insure my rental or vacation home
Yes! We offer landlord policies and second home coverage
OnePoint Insurance Resources
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
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.
770 884 8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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