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Homeowners Insurance

OnePoint Insurance Agency Your Home Is More Than a Building — It's Where Life Happens

From protecting your belongings to covering liability, Homeowners Insurance safeguards your sanctuary. Compare quotes from 30+ top carriers in minutes and save up to $500 or more.

Full Dwelling
Flood Protection
Personal Property
Liability Coverage

Licensed in 18 States

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$500+
Avg Savings
30+
Carriers
18
States
5.0
Google Rating
Homeowners Insurance
Dwelling Coverage
Structure + attached
Personal Property
Belongings protected
Liability Protection
Lawsuits + medical
Flood Coverage
Add-on available

$500+

Avg Savings
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Comprehensive Home Coverage Solutions

From homeowners to renters, condos to flood — we provide tailored insurance to protect every type of home.

What's Covered

Standard Coverage Included

Every homeowners policy includes these essential protections. Tap any card to learn more about what's covered.

Dwelling01Learn More

Dwelling Coverage

Repairs or rebuilds your home if it's damaged by fire, wind, hail, or vandalism.

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Other Structures02Learn More

Other Structures

Covers detached garages, sheds, fences, and other buildings on your property.

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Personal Property03Learn More

Personal Property

Covers your belongings — furniture, electronics, clothing, and more.

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Liability04Learn More

Liability Protection

Legal coverage if someone is injured on your property or you damage theirs.

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Loss of Use05Learn More

Loss of Use

Pays for hotels and living expenses if you're displaced from your home.

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Medical Payments06Learn More

Medical Payments

Covers small medical bills for guests injured on your property.

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Optional Add-Ons

Customize Your Protection

Tap any card to explore optional endorsements that can be bundled with your homeowners policy for complete peace of mind.

Water Backup / Sump Pump

Covers water damage from backups via sewers, drains, or sump pumps.

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Service Line Coverage

Protects underground pipes and wiring from costly damage.

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Equipment Breakdown

Repairs or replaces major systems after sudden mechanical failure.

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Ordinance or Law

Pays the extra cost to bring your home up to current code after a loss.

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Extended Replacement Cost

Boosts dwelling limits if rebuilding costs exceed your policy amount.

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Scheduled Personal Property

Extra protection for high-value items that exceed standard limits.

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Home Cyber Protection

Covers identity theft, cyberattacks, online fraud & related costs.

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Inflation Guard

Automatically increases your dwelling coverage each year.

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Loss Assessment (HOAs)

Helps pay your share of HOA assessments after covered losses.

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Pet Liability

Adds/increases liability coverage for damage or injury caused by pets.

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Business Property

Raises limits for business equipment stored or used at home.

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Short-Term Rental

Coverage for damages & liability when renting on Airbnb or Vrbo.

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Flood Insurance

Protects against flood damage not covered by standard policies.

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Earthquake Insurance

Covers damage from earthquakes — typically excluded from standard policies.

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    Not Sure What You Need?

    Let our advisors tailor the perfect coverage for your home.

    OnePoint Insurance advisors
    Expert Guidance

    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
    Schedule a Policy Review

    Ready to Protect Your Home?

    Don't wait until it's too late. Ensure your home and belongings are safeguarded with the right coverage.

    Let's Get You Covered the Right Way
    30+ Carrier Partners
    Licensed in 18 States
    5-Star Rated

    Featured Carriers We Trust

    We partner with top-rated insurance carriers to bring you the best coverage options.

    Progressive
    Nationwide
    Travelers
    Liberty Mutual
    Cigna
    Oscar
    United Healthcare
    Humana
    BlueCross BlueShield
    Foremost
    Chubb
    AIG
    Transamerica
    Coterie
    Assurity
    Ameritas
    RPS
    Hagerty
    Clearcover
    Branch
    Progressive
    Nationwide
    Travelers
    Liberty Mutual
    Cigna
    Oscar
    United Healthcare
    Humana
    BlueCross BlueShield
    Foremost
    Chubb
    AIG
    Transamerica
    Coterie
    Assurity
    Ameritas
    RPS
    Hagerty
    Clearcover
    Branch
    Encompass
    Ambetter
    Columbus Life
    Manhattan Life
    Mutual of Omaha
    National General
    Openly
    Pivot Health
    RLI
    Tower Hill
    Aegis
    Aetna
    Attune
    Bristol West
    BTIS
    DentaQuest
    Hippo
    Kaiser Permanente
    American Modern
    Encompass
    Ambetter
    Columbus Life
    Manhattan Life
    Mutual of Omaha
    National General
    Openly
    Pivot Health
    RLI
    Tower Hill
    Aegis
    Aetna
    Attune
    Bristol West
    BTIS
    DentaQuest
    Hippo
    Kaiser Permanente
    American Modern
    39 Partner Carriers
    24/7 Claims Support
    Independent & Unbiased
    Best Rate Guarantee
    Customer Reviews

    What Our Clients Say

    Real experiences from real people who trust OnePoint Insurance with their protection.

    5.0 Rating

    Average Client Score

    5-Star Google

    Verified Reviews

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    Join hundreds of satisfied clients. Your protection starts here.

    Got Questions?

    Frequently Asked Questions

    Everything you need to know about homeowners insurance — answered clearly, without the jargon.

    Talk to an Agent
    10
    Common questions answered
    Homeowners insurance typically covers your dwelling, other structures on your property, personal belongings, liability claims, and additional living expenses if your home becomes uninhabitable. It protects against perils like fire, wind, hail, theft, and vandalism.
    Your dwelling coverage should match the cost to rebuild your home — not its market value. Personal property coverage should reflect the total value of your belongings. A OnePoint agent can help calculate the right limits based on your home's size, construction, and location.
    No — standard homeowners policies do not cover flood damage. You'll need a separate flood insurance policy, available through the National Flood Insurance Program (NFIP) or private carriers. OnePoint can help you add flood coverage regardless of where you live.
    Replacement cost pays to replace or repair your property at today's prices without deducting for depreciation. Actual cash value factors in depreciation, so you receive less. We typically recommend replacement cost coverage for both your dwelling and personal property.
    Liability coverage protects you financially if someone is injured on your property or if you accidentally damage someone else's property. It covers legal fees, medical bills, and settlements. Standard limits start at $100,000, but we recommend higher limits to protect your assets.
    Yes — personal property coverage typically extends beyond your home. If your laptop is stolen from your car or luggage is lost while traveling, your policy may cover it. However, high-value items like jewelry may need scheduled coverage for full protection.
    Bundle with auto insurance, raise your deductible, install security systems and smoke detectors, maintain a good credit score, and shop multiple carriers. OnePoint compares 30+ carriers to find you the lowest rate without sacrificing protection.
    Standard policies offer very limited coverage for business equipment and zero coverage for business liability. If you work from home, you should add a business property endorsement or consider a separate home business policy to fully protect your equipment and clients.
    Loss of use coverage (also called additional living expenses) pays for hotel stays, temporary rentals, restaurant meals, and other costs while your home is being repaired or rebuilt. This coverage keeps your family comfortable during a difficult time.
    You can file a claim through our Client Service Tools page, call your carrier's claims number (listed on our Carriers page), or call OnePoint directly at 888-899-8117. Document the damage with photos and a list of affected items, and our team will guide you through every step.