Water Damage Coverage
Comprehensive protection for structural damage, flooring, walls, and foundation repairs caused by flooding.
Protect Your Rental Property. Secure Your Income
Affordable landlord insurance tailored for your needs
We serve families & businesses in
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Flood Coverage
Protect your property from water damage and flooding.
Homeowners
Comprehensive protection for your home and belongings.
Renters Insurance
Affordable coverage for tenants and renters.
Landlord Insurance
Protect your rental properties and rental income.
Mobile Home Insurance
Specialized protection for manufactured and mobile homes, covering structure, belongings, and liability with affordable rates.
Condo Homeowners Insurance
Tailored coverage for condo owners protecting your unit, personal property, and liability with specialized condo-specific protection.
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Why Landlord Insurance Is Essential
Owning rental property isn’t just about collecting rent, it’s about protecting one of your biggest investments.
Here’s what Landlord Insurance shield you from:
Fires & Natural Disasters – Safeguard your property against fire, storms, and unexpected damage.
Theft & Vandalism – Coverage for losses caused by break-ins or tenant-caused damage.
Liability Claims – Protection if a tenant or visitor is injured on your property and sues.
Loss of Rental Income – Keeps your cash flow steady when your property is uninhabitable due to a covered event.
Why Choose Flood Insurance
Comprehensive Protection for Your Property
Flood insurance provides essential coverage that standard homeowners policies don't include, protecting you from devastating water damage costs.
Contents Protection
Coverage for your personal belongings, furniture, electronics, and appliances damaged by flood waters.
Federal Backing
NFIP policies are backed by the federal government, providing reliable and stable coverage you can trust.
Financial Security
Avoid devastating out-of-pocket expenses that can reach hundreds of thousands of dollars after a flood event.
Peace of Mind
Sleep better knowing your home and belongings are protected against one of nature's most common disasters.
Quick Claims Process
Streamlined claims handling ensures you get the funds you need quickly to start rebuilding and recovering.
Condo protection, demystified—your must-haves up front, extras on tap when life gets “plot twist.”
Dwelling / Interior Structure
Protects your unit’s interior—walls, floors, fixtures, built-ins—against covered perils.
Personal Property
Covers your belongings at home and usually off-premises too.
Liability Protection
Helps with legal costs and payouts if you’re responsible for injury or property damage.
Medical Payments to Others
Pays small medical bills for guests injured in your unit, regardless of fault.
Loss of Use
Covers hotel, meals, and living expenses if a covered loss makes your condo unlivable.
Loss Assessment
Helps pay your share of HOA special assessments from covered building/liability losses.
Building Property
Covers upgrades you’ve added—custom cabinets, counters, flooring, built-ins.
Optional Coverages
Click to reveal add-ons for common condo gaps.
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Optional Coverages
Click to reveal add-ons for common condo gaps.
Water Backup
Helps with damage from sewer/sump backups.
Earthquake
Coverage for quake damage, excluded from standard policies.
Flood
Flood insurance via NFIP or private carriers.
Scheduled Property
Extra protection for jewelry, art, collectibles.
Identity Theft
Support and expense coverage if your identity is stolen.
Umbrella
Additional liability limits above your condo policy.
Comprehensive Coverage
What Flood Insurance Covers
NFIP flood insurance provides comprehensive protection for your property and belongings. Explore each coverage option to understand how we protect what matters most to you.
Building Coverage
Protects the structure of your home including foundation, walls, roof, electrical systems, plumbing, HVAC, and built-in appliances.
Learn more
- Foundation, walls, floors, ceilings, and roof structure
- Permanently installed electrical and plumbing systems
- Central air conditioning equipment and furnaces
- Water heaters, fuel tanks, and sump pumps
- Built-in appliances like dishwashers and range hoods
- Detached garages (up to 10% of building coverage)
Contents Coverage
Covers your personal belongings, furniture, clothing, electronics, and portable appliances damaged by flood waters.
Learn more
- Furniture, clothing, and personal items
- Electronics, computers, and entertainment systems
- Portable appliances (microwaves, washers, dryers)
- Carpeting not included in building coverage
- Artwork, collectibles (limited coverage)
- Available for renters and homeowners
Basement Coverage
Limited but essential coverage for structural elements, utilities, and specific items located in basements or below-grade areas.
Learn more
- Foundation walls, stairs, and structural elements
- HVAC systems, water heaters, and fuel tanks
- Electrical junction boxes and circuit breaker panels
- Sump pumps and well water tanks
- Note: Finished basements have limited contents coverage
- Recommend storing valuables on upper floors
Replacement Cost Coverage
Optional upgrade that pays to replace damaged items at today's costs, without depreciation deductions for age or wear.
Learn more
- Available for building coverage (not contents)
- Pays full replacement cost without depreciation
- Requires insuring to at least 80% of replacement value
- Higher premiums than Actual Cash Value coverage
- Maximizes claim payments for structural damage
- Essential for older homes with updated interiors
Increased Cost of Compliance
Provides up to $30,000 to help cover costs of bringing your home into compliance with local floodplain management ordinances.
Learn more
- Covers elevation, relocation, demolition, or floodproofing
- Available when building is substantially damaged (50%+)
- Separate from building coverage limits
- Helps meet local building code requirements
- May reduce future flood risk and premiums
- Automatically included in NFIP policies
Temporary Housing Assistance
While flood insurance doesn't cover temporary housing, you may qualify for federal disaster assistance if a disaster is declared.
Learn more
- Standard NFIP policies don't cover living expenses
- FEMA Individual Assistance available after declared disasters
- Consider supplemental coverage or emergency fund
- Some private flood policies include ALE coverage
- Document all temporary housing expenses
- Contact FEMA immediately after a declared disaster
Bundle & Save
We reward loyalty with bundle discounts that make managing your insurance easier and more affordable
Landlord + Auto Insurance
Safeguard your rental property and your vehicles together while enjoying valuable discounts.
Landlord + Life Insurance
Protect your rental investment today while securing your family’s future with life coverage.
Landlord + Umbrella Coverage
Get extended liability protection that goes beyond landlord insurance for maximum peace of mind.
Landlord + More Bundles
Ask about pairing landlord coverage with flood, earthquake, or even business insurance for complete protection.
Protect Your Property, Protect Your Lifestyle
Don’t leave gaps in your coverage. OnePoint makes landlord insurance easy, affordable, and reliable.
Why OnePoint Insurance Agency
The OnePoint Advantage
Personalized Coverage – Tailored to rental property
Affordable Options – Plans that fit your budget
Trusted Advisors – Real agents, not just algorithms
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
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
How It Works
Three quick steps. Total peace of mind.
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Request a Free Quote
Answer a few simple questions
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Review Personalized Coverage Options
See protection tailored to your rental property
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Get Protected in Minutes
Lock in coverage and live worry-free
What Affects Your Premium?
We believe in transparency. These are some of the top factors that can impact your insurance rate:
Location and ZIP code
Age and Construction of your home
Claims History
Credit History (In some State)
Want to see your personalized rate? Just answer a few quick questions.
Types of Homes We Cover
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Quick Actions
How Can We Help Today?
Manage your policy, file claims, and connect with us — all in one place.
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Start the process of reporting an insurance claim quickly and easily.
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Modify your contact information, coverage, or account details.
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Policy Review Request
Request a comprehensive review of your current policy coverage.
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Frequently Asked Questions
What exactly does landlord insurance cover?
A standard landlord policy usually covers:
Property damage (fire, storms, vandalism, theft)
Liability protection if someone gets hurt on your property
Rental income protection if the home becomes unlivable after a covered event
Optional add-ons can cover floods, earthquakes, or extended liability.
Is loss of rental income included automatically?
Typically, yes, most landlord policies include rental income protection if your property becomes uninhabitable due to a covered loss (like fire or major storm damage). But always confirm with your agent so you’re not caught off guard.
How much does landlord insurance cost?
Costs vary based on the property’s location, size, type of tenants, and coverage options. On average, landlord insurance is about 15–25% more expensive than standard homeowners insurance, but the peace of mind is worth every penny.
What isn’t covered under landlord insurance?
Common exclusions include normal wear and tear, maintenance issues, and tenant’s personal belongings (they need renter’s insurance for that). Floods and earthquakes are usually separate add-ons.
Do I really need landlord insurance if I already have homeowners insurance?
Yes. Homeowners insurance is designed for owner-occupied homes, not rental properties. If you’re renting out your property, most homeowners policies won’t cover tenant-related damage, liability, or lost rental income. Landlord insurance fills those gaps.
Can my tenants be required to have renters insurance?
Yes, and it’s a smart move. Landlord insurance doesn’t cover tenants’ personal property, but requiring renter’s insurance protects them (and reduces your liability risk).
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.
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888-899-8117
555 NorthPoint Center E
Suite 400
Alpharetta, GA 30022
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.
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