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featured home insurance

Home Insurance

Most people simply can't afford to rebuild their home and replace everything in it if there's a disaster. A home insurance policy can protect your property, your personal possessions and you. If someone sues after being injured on your property, proper home insurance limits can ensure you won’t be paying their legal fees from your pocket.

Get coverage built to protect your home

Make sure your home is insured to at least 100% of its estimated replacement cost. With the right home insurance coverage, you’ll feel comfortable knowing that, in the event of a disaster your property is protected.

From dwelling coverage to personal property protection, we provide homeowners insurance policies to suit your needs and budget. Homeowners' policies cover:

  • Dwelling coverage
  • Personal property coverage
  • Liability protection
  • Guest medical protection
  • Loss of Use
  • Other Structures

There are other optional coverages in home insurance. Speak to one of our Agents for more details.

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featured condo insurance

Condo Insurance

No laws are making it a requirement for Georgia residents to obtain insurance. Under the Condominium Act, an owner of a condo can obtain condo insurance for their benefit, but they are not required to purchase it. No matter the requirements, it is still highly recommended.

The most common type of coverage for condo insurance is standard coverage. Standard coverage typically includes private property policy, construction property policy, liability policy, and loss of use coverage. Building property coverage is recommended to obtain protection from damage done to the inside of your condo, including the floors, tiles, and walls. This coverage will also protect you against certain permanent fixtures that become damaged by things such as a fire.

renters insurance

Renters Insurance

Renters insurance can help cover the loss or damage to your property and additional living expenses if you must leave your home due to a covered event. It may protect you from personal liability claims. Renters insurance can help protect you from potential devastating cost of losing the things you own, from the home or apartment that you rent.

What’s Covered by a Renters Insurance Policy

While your landlord’s insurance covers the physical dwelling where you live, it can be up to you to protect your personal property, such as your clothes, electronics, and furniture. In addition, renters may spend considerable time and money on alterations or improving their rental unit. Under a renter’s policy, you may apply up to 10% of your personal property coverage to repair or replace improvements made by you or acquired at your expense if damaged by a covered loss. Higher amounts of coverage are available.

Bundle your Policies and save up to 5% on Your Car Insurance.


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mobile home insurance

Mobile Home Insurance

Whether you call it a mobile home, a manufactured home or just home-sweet-home, we understand that the insurance requirements are different, so we give you a policy that fit’s both the latest modular designs as well as the classic mobile home.

What does mobile home insurance cover?

  • Your home itself and any attached structure
  • Your belongings (TV, appliances, tools)
  • Damage or injury to someone else’s property

Is your manufactured home not a full-time residence?

Manufactured housing is flexible. Weather is a Rental, Seasonal, Vacant or Tenant, we will get you insured.

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landlord insurance

Landlord Insurance

Landlord insurance primarily protects the "dwelling" (or structure) of a property and is not intended for the place you call home.

What is landlord insurance?

Landlord insurance protects your rental properties. Generally, policies cover the structure and property used for maintenance. Landlord and home insurance are different. Home insurance offers personal property coverage, meaning your belongings are protected in your residence.

What does landlord insurance cover?

  • Your property itself
  • Damage or injury that occurs on your rental property
  • Loss of rent

Does landlord insurance cover tenant damage?

If damage is caused accidentally, the landlord may be covered. For example, if a tenant experiences a fire in their kitchen, the property would likely be covered.

Consider requiring your tenants to have Renters Insurance. Policies are affordable and easy to get online.

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flood insurance

Flood Insurance

A homeowner’s policy does not protect against loss or damage from a flood.

What you should consider:

  • Just one inch of water in an average home can cause more than $25,000 in damage.
  • Flooding can happen anywhere. More than 25% of flood insurance claims come from outside a high-risk flood area.
  • If you suffer a flood, you can seek federal disaster assistance, but it may not be enough to make a full recovery. Most homeowners’ policies don’t cover food losses, only flood insurance covers the cost of flood damage.

What flood Insurance Cover?

  • Furniture, clothing, and other belongings
  • Certain cleanup expenses
  • Damages to your heating and cooling system
  • Repair or replacement of flooring

Flood Insurance is available to homeowners, condo owners, landlords, business owners and renters.

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umbrella insurance

Umbrella Insurance

Umbrella insurance protects you from losing your assets in a lawsuit. Your umbrella coverage kicks in after the original policy pays and covers the excess expenses resulting from third-party bodily injury, property damage, car accidents, and employee injuries. Although maximum coverage limits for most liability insurance policies fall between $300,000 and $500,000, umbrella insurance coverage begins at $1 million. At OnePoint Insurance Agency in Alpharetta, Georgia, we help you select the range you need.

Partner Carriers

  • Aegis
  • Aetna
  • aig
  • ambetter
  • american modern
  • ameritas
  • amtrust
  • assurity
  • attune
  • biberk
  • bluecross
  • bright health
  • bristol west
  • btis
  • chubb
  • cigna
  • columbus
  • coterie
  • cowbell
  • dentaquest
  • elephant
  • encompass
  • foremost
  • friday health
  • hagerty
  • hippo
  • humana
  • infinity
  • kaiser
  • kemper
  • liberty mutual
  • manhattan
  • markel
  • mutual omaha
  • national general
  • nationwide
  • neptune
  • openly
  • oscar
  • pivot
  • progressive
  • rli
  • rps
  • safeco
  • securian
  • sis
  • state auto
  • the hartford
  • thimble
  • tower hills
  • transamerica
  • travelers
  • united america
  • united healthcare
  • unum