When people ask me about the best insurance coverage I’ve ever purchased, they’re usually surprised by my answer.
It wasn’t a major home insurance claim. It wasn’t a vehicle claim. It wasn’t a complicated situation at all.
It was a cracked window.
And thanks to ONE Home Glass, I saved more than $1,000.
A Real Story From a Real ONE Insurance Client
My name is David, and I am the Manager of Marketing & Communications at ONE Insurance. While I work here, I’m also a client.
So let’s put any bias aside for a moment and talk about my actual experience.
Recently, I discovered a crack in one of my home’s windows. As a homeowner, I knew this wasn’t going to be a cheap repair. Modern windows and glass installations can cost hundreds or even thousands of dollars to replace, depending on the size and style.
When I started looking into the repair, I learned that replacing the damaged glass would cost more than $1,000.
Fortunately, I had something many homeowners don’t know exists.
I had ONE Home Glass coverage.
What Is ONE Home Glass?
ONE Home Glass is an exclusive coverage option available as an add-on to a home insurance policy.
For just $40 per year, it helps cover the cost of repairing or replacing damaged glass in your home.
That’s less than $3.50 per month.
Glass can break or crack for many reasons, including:
- A baseball through a window
- A rock thrown by a lawn mower
- Natural shifting of your home
- Accidental impacts
- Unexpected cracks and damage
No matter how it happens, replacing glass can be expensive. ONE Home Glass helps protect you from those out-of-pocket costs.
The Math Just Makes Sense
Let’s look at the numbers.
The coverage costs $40 per year and carries a claim cost of just $25.
In my case, the repair would have cost more than $1,000 without coverage.
Instead, I paid only $25.
Even if you carried the coverage for 20 years and never made a claim, you would spend about $800 in premiums over that entire period. If you then needed a single glass replacement worth more than $1,000, you would still come out ahead financially.
That’s what I call affordable peace of mind.
The Claims Process Was Easy
One of the things that impressed me most was how simple the claims process was.
As soon as I noticed the crack, I contacted my advisor. She helped me start the claim and explained exactly what was needed.
From there, I obtained two quotes from contractors of my choice and selected the company I preferred.
A nice bonus? The contractor I wanted was also the lower-priced quote.
If I had chosen a more expensive contractor, I would have simply paid the difference between the quotes. For me, it was straightforward and hassle-free.
Once everything was approved, I paid my $25 claim cost, and the repair was taken care of.
No stress. No surprises. No large bill.
The Best Part? No Impact to My Claims-Free Discount
Many homeowners worry about making a claim because they’re concerned about future insurance costs.
In my experience, that wasn’t an issue.
My ONE Home Glass claim did not impact my claims-free discount, and it did not cause my premiums to increase.
That’s a huge benefit and one more reason why this coverage stood out to me.
A Solution to My “Pane” in the Glass
Yes, the pun is intended.
Saving more than $1,000 felt great. But honestly, the biggest benefit was knowing that the unexpected didn’t become a financial burden.
Homeownership comes with enough surprises. A cracked window shouldn’t be one of the expenses that keeps you up at night.
ONE Home Glass gave me the confidence that if something happened, I was covered.
And when something did happen, it delivered exactly as promised.
Final Thoughts
As both a homeowner and a client, I can honestly say that ONE Home Glass is one of the most valuable coverages I’ve purchased.
For less than $3.50 per month, I saved more than $1,000 on a single repair and enjoyed a simple claims experience from start to finish.
If you’re a homeowner, I highly recommend talking to your advisor about adding ONE Home Glass to your home insurance policy.
Sometimes the smallest coverage can make the biggest difference.
