OnePoint Insurance Agency
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At OnePoint Insurance Agency, we make insurance simple and personal. Expert guidance, exceptional service. Your one trusted partner.
We protect individuals, families & businesses with customized coverage: health, auto, home, life, and business insurance.
09/24/2026
Your health plan says “20% coinsurance.” But 20% of what?
That percentage can be confusing until you understand what it’s actually applied to.
Coinsurance is the percentage of the allowed cost of a covered healthcare service that you may be responsible for, according to your plan terms.
Here’s a simple example:
If your plan’s allowed amount for a covered service is $1,000 and 20% coinsurance applies:
Your share: $200
Plan’s share: $800
That’s why coinsurance isn’t always the same dollar amount. If the applicable allowed cost of care changes, the amount represented by your percentage can change too.
And coinsurance is not the same as a copay.
A copay is generally a fixed dollar amount, such as $30 for a covered office visit when that copay applies. Coinsurance is generally a percentage of the applicable allowed cost.
Knowing your coinsurance percentage is important—but it’s equally important to understand when it applies under your specific plan.
Before receiving care, review your plan documents and understand how your deductible, copays, coinsurance, and other cost-sharing may work together.
Have questions about health insurance or need help exploring your coverage options? Contact OnePoint Insurance Agency today.
Coinsurance and other cost-sharing vary by plan, service, and network. Examples are for general educational purposes only. Refer to your plan documents for actual benefits and member costs.
The flight was delayed for hours. But the extra expenses started almost immediately.
An unexpected travel delay can mean more than waiting at the airport. You could suddenly need meals, transportation, or even an overnight stay you never planned for.
That’s where Trip Delay Coverage may help.
When a trip is delayed for a qualifying covered reason and meets the policy’s required delay period, travel insurance may reimburse certain eligible additional expenses, such as: Meals. Lodging. Local transportation. Other eligible expenses caused by the delay
A delayed trip can disrupt your plans. Understanding your travel insurance can help you prepare for the unexpected expenses that may follow.
Contact OnePoint Insurance Agency to explore available travel insurance options before your next trip.
Coverage, qualifying reasons, required delay periods, reimbursement limits, documentation requirements, and exclusions vary by policy.
09/22/2026
Your car is damaged. But what caused the damage?
That question can make an important difference when it comes to collision and comprehensive coverage.
Collision coverage may help repair or replace your covered vehicle after a collision with another vehicle or object, subject to your deductible and policy terms.
Comprehensive coverage may help with certain covered losses that aren’t caused by a collision—such as theft, hail, vandalism, or falling objects.
Same car. Different cause of damage. Different coverage.
Both coverages typically have a deductible, so understanding what you selected before a loss happens matters.
Have questions about collision, comprehensive, or your auto insurance options? Contact OnePoint Insurance Agency today.
The fire was put out. The building could be repaired. But the business still couldn’t open its doors.
When a covered loss forces a business to temporarily suspend operations, the financial impact may continue long after the physical damage occurs.
Business Interruption Insurance, often called Business Income Coverage, may help replace certain lost business income and cover eligible continuing operating expenses while the business recovers from a covered loss.
Depending on the policy, coverage may help with eligible expenses such as payroll, rent, and other necessary ongoing costs.
Property insurance may help repair the damage. Business interruption coverage can help protect the income the business depends on while operations are disrupted.
Contact OnePoint Insurance Agency to review your commercial insurance and available business income coverage options.
Coverage, waiting periods, limits, covered causes of loss, restoration periods, exclusions, and eligibility vary by insurer and policy.
The fire didn’t just damage what was inside his home… it damaged the walls, roof, floors, and the structure his family depended on.
When serious damage happens to a home, repairing or rebuilding the structure can become one of the largest financial challenges a homeowner faces.
Dwelling coverage is the part of a homeowners policy designed to help pay to repair or rebuild the home itself when it is damaged by a covered cause of loss.
This generally includes the house and structures attached to it, such as an attached garage, along with built-in features and materials that are part of the home.
The amount available depends on the policy, its limits, the cause of damage, deductible, exclusions, and other terms.
Your home is more than where you live. It is something you worked hard to build and own. Make sure the structure itself has the protection it needs.
Contact OnePoint Insurance Agency to review your homeowners insurance and dwelling protection.
Coverage is subject to policy terms, limits, deductibles, exclusions, conditions, and applicable endorsements.
He thought the night had ended peacefully... until the call came the next morning.
Serving alcohol can create a liability that continues long after the customer leaves.
Liquor Liability Insurance is designed to protect businesses that sell, serve, or furnish alcoholic beverages when they are held legally responsible for covered bodily injury or property damage connected to an intoxicated customer.
Depending on the policy, coverage can include legal defense costs, settlements, and court judgments, subject to the policy’s terms, exclusions, and limits.
The final drink may be served tonight.
The consequences may arrive tomorrow.
Contact OnePoint Insurance Agency to review your Liquor Liability Insurance options.
The damage made the home temporarily unlivable—but the mortgage, meals, and everyday life didn’t suddenly stop.
When a covered loss makes your home unfit to live in, Loss of Use Coverage may help with certain additional living expenses while your home is being repaired or you’re temporarily living elsewhere.
Depending on the policy, this may include eligible additional costs such as temporary lodging, increased meal expenses, and certain other necessary living expenses above what you normally spend.
Home insurance isn’t only about repairing the house. Loss of Use Coverage can also help you maintain your household while you’re temporarily displaced.
Contact OnePoint Insurance Agency to review your homeowners or renters insurance and understand the protection available to you.
Coverage, limits, covered expenses, time periods, and eligibility vary by insurer, policy, and circumstances of the loss.
09/17/2026
Your doctor visit says $30… and you’re wondering, “What exactly am I paying for?”
That $30 is your copay.
A copay is a fixed amount you pay for a covered healthcare service when your plan’s copay applies.
For example, your plan may require a $30 copay for a primary care visit. Other services—such as specialist visits, urgent care, or prescriptions—may have different copays.
And one important thing to know: your copay and your deductible are not the same thing.
Understanding how they work can make those healthcare costs a lot less confusing.
Have questions about health insurance or need help exploring your coverage options? Contact OnePoint Insurance Agency today.
The truck can be repaired. But what happens to the customer’s $100,000 shipment damaged in the same accident?
For a motor carrier, the load in the trailer may belong to a customer—but once you agree to transport it, damage to that cargo can become a serious financial exposure.
Motor Truck Cargo insurance can help protect a motor carrier against covered loss or damage to cargo it is legally responsible for while transporting it.
Depending on the policy, protection may apply to covered losses involving causes such as collision, overturn, fire, theft, and other insured risks.
What is covered depends on the policy. Cargo limits, deductibles, excluded commodities, valuation provisions, territorial limits, and other conditions can affect how protection applies.
Your customer trusted you with the load. Make sure your business understands the protection behind every shipment you haul.
Contact OnePoint Insurance Agency to discuss Motor Truck Cargo insurance for your trucking business.
Coverage varies by policy, insurer, commodity, vehicle, cause of loss, limits, deductibles, exclusions, and conditions. The issued policy controls.
09/16/2026
You caused the accident. Now what?
This is where understanding liability coverage becomes important.
If you’re legally responsible for a covered accident, liability coverage may help with certain costs involving other people, including bodily injuries and damage to their property.
Here’s the part people often mix up: liability coverage generally isn’t designed to repair your own vehicle after an at-fault collision. Collision coverage may address damage to your covered vehicle if purchased, subject to your deductible and policy terms.
Understanding what each coverage is designed to do can help you make more informed insurance decisions.
Have questions about liability coverage or your auto insurance options? Contact OnePoint Insurance Agency today.
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Address
555 North Point Center E Suite 400
Alpharetta, GA
30022
Opening Hours
| Monday | 9am - 6pm |
| Tuesday | 9am - 6pm |
| Wednesday | 9am - 6pm |
| Thursday | 9am - 6pm |
| Friday | 9am - 6pm |