Ooma Office review for insurance agents: pricing, dialing and compliance
Ooma Office is a business phone system with a virtual receptionist, texting and a simple list dialer. It is sold month to month with no contract.
Agencies that dial lists or use AgencyZoom need Pro Plus. Offices that only answer calls can stay on Essentials or Pro.
- Best for
- Small agencies replacing desk phones that want light list dialing and an AgencyZoom link
- Type
- Business phone system with a one-at-a-time list dialer
- Price
- From $19.95 a user per month
- Dialing
- Outbound Auto Dialer on Pro Plus, one call at a time from lists of up to 3,000
- Texting
- 250 messages an account on Pro, 1,000 on Pro Plus
- Recording
- Pro and Pro Plus, kept 90 days
- CRM connections
- AgencyZoom, AgencyMVP and Salesforce on Pro Plus
- Free trial
- No. Purchased phones can go back within 30 days
Our take
Ooma is a phone system first. Pro Plus adds a dialer that calls one number at a time, which fits a producer working a renewal list more than a lead floor.
The AgencyZoom link is the reason many agencies look. It pops the client record with policy dates and logs calls and texts back.
It has no compliance tools. Lists must be scrubbed first, and recordings last only 90 days.
Pros
- AgencyZoom screen pops with policy dates
- Month to month with no contract
- Low per-user prices
- Virtual receptionist on every plan
- Free number porting in
Cons
- No Do Not Call scrub or calling-hour limits
- Recordings last 90 days
- Text allowance is per account, not per user
- No listen-in or whisper coaching
- Leaving with your numbers takes 30 days' notice
Plans and pricing
| Plan | Billed monthly | What it adds |
|---|---|---|
| EssentialsBasic office phones | $19.95 | Virtual receptionist, mobile app, ring groups, fax, one direct number per user and one toll-free number |
| ProAgencies that record and text | $24.95 | Desktop app, call recording, voicemail transcripts and 250 texts an account |
| Pro PlusAgencies that dial listsWhere most agents start | $29.95 | Auto dialer, call queues, CRM links, AI transcripts and 1,000 texts an account |
Prices are per user each month with no contract, as of October 2026, from Ooma's Office page. Calling covers the US, Canada, Mexico and Puerto Rico.
What it would cost you
Cost per month
First-year cost
Cost per live call
Uses the seat prices in the table. The activation fee, phones, extra numbers, texts over the allowance and taxes are extra.
Good to know before you buy
- A $29.95 activation fee shows at sign-up.
- Ooma IP phones start at $59.99 each.
- The text allowance is per account, not per user, and counts messages in and out.
- Rented phones cost $50 each to return in the first year.
Usage and add-ons
| Item | Price |
|---|---|
| Extra local number | $9.95 a month |
| Extra toll-free number | $9.95 a month with 500 minutes |
| Toll-free minutes over the allowance | $0.034 a minute |
| Texts over the allowance | $0.0095 each |
| 3,000 more US texts | $20 a month |
| 10,000 more US texts | $65 a month |
Which plan has it
| Feature | Essentials | Pro | Pro Plus |
|---|---|---|---|
| Virtual receptionist and ring groups | |||
| Texting | 250 an account | 1,000 an account | |
| Call recording | |||
| Voicemail transcripts | |||
| Call analytics | |||
| Outbound Auto Dialer | |||
| Call queues | 15 | ||
| CRM connections | |||
| AI transcripts and summaries |
Dialing modes
| Mode | What it does | Lines per agent | Plan |
|---|---|---|---|
| Click-to-call | Dial from the app or a connected CRM | 1 | All plans |
| Outbound Auto Dialer | Works a list in order with outcomes, pause and wrap-up time | 1 | Pro Plus |
- List size
- Up to 3,000 contacts a list
- Dropped calls
- None, since it calls one number at a time. There is no predictive mode or abandon report
- Voicemail drop
- Not offered
Inbound calls and transfers
The virtual receptionist answers the main line with a key-press menu. Pro Plus adds call queues, which suit a service desk that answers policy questions.
- Routing
- Round robin, most idle, ready status and overflow
- Queues
- Up to 15 queues with 25 waiting calls each on Pro Plus
- Phone menu
- Virtual receptionist on every plan, with five schedules and holidays on Pro Plus
- After hours
- Overflow to voicemail, another extension or a message
Phone numbers and spam labels
- Who supplies numbers
- Ooma. It can change or reassign them after service ends
- Porting in
- Free, with a temporary number meanwhile. Three to four weeks on average
- Taking numbers with you
- Give 30 days' notice and finish carrier paperwork. Skipping steps can cost up to $500
- Number rotation
- Ooma suggests rotating numbers on heavy outbound days
- Switch caller ID
- Pro users can switch to another number on the account with star codes
- Spam label monitoring
- Yours. Ooma points to Free Caller Registry and each carrier's form
Do Not Call, calling hours and consent
- National Do Not Call list
- Not scrubbed. Ooma tells users not to call registered numbers
- Your own do-not-call list
- Custom call outcomes, with no stated block on future calls
- Calling hours
- Not enforced
- Attempt limits
- Not enforced. Ooma suggests no more than one or two calls a day per person
- Opt-outs
- STOP and HELP replies for texting
A phone system, not a compliance tool Scrub every list before loading it, and keep your own do-not-call list outside Ooma. Calling hours are up to the person dialing.
Texting and registration
- Plans with texting
- Pro and Pro Plus, to US and Canadian numbers. Unused texts don't roll over
- Pictures
- Yes. Toll-free numbers can't text
- Carrier registration
- Ooma support files the 10DLC registration (US carrier registration for business texting) from your legal name and tax ID
- Approval time
- Usually within seven days
- Fees
- Ooma covers some registry fees and may pass others on
- Opt-out words
- STOP and HELP
Call recording and Medicare
- Recording
- Pro and Pro Plus. Always-on per extension, or on demand
- Recording notice
- A custom disclaimer you set
- Pause
- Stop with a star code or in the app
- How long it's kept
- 90 days
- Export
- Download one at a time during the 90 days
- Transcripts
- AI transcripts and summaries on Pro Plus
CMS's rule for the 2027 plan year asks for six years of Medicare audio, far more than Ooma's 90 days. Medicare agencies need a regular download routine.
CRM and agency system connections
| Connects to | Type | How | What moves |
|---|---|---|---|
| AgencyZoom | Agency CRM | Built in | Screen pops with policy dates. Call logs and texts back as notes |
| AgencyMVP | Agency CRM | Built in | Texts saved to the contact history |
| Salesforce | CRM | Built in | Calling from Salesforce |
| Zapier | Automation | Zapier | Call and text triggers |
Every connection needs Pro Plus. Recordings and dialer outcomes don't move to AgencyZoom. Zapier is billed separately.
Reporting and coaching
Reports
- Call analytics and a leaderboard on Pro
- Text analytics
- Queue reports and live queue stats on Pro Plus
- CSV call log export
Coaching
- See who is on a call and join as a three-way call
- No silent listen, whisper or scoring
Getting started
Pick a plan and phones
Sign up online. Phones can be bought or rented.
Port your numbers
Use the temporary number until the port finishes, about three to four weeks.
Register for texting
Send your legal name and tax ID to Ooma support.
Connect AgencyZoom
Turn on the link on Pro Plus and sync contacts.
Load a call list
Upload up to 3,000 contacts and set outcomes.
Support by phone and a help center.
Contract and canceling
- Term
- Month to month unless a quote sets a term
- Renewal
- Fixed terms renew unless you give 90 days' notice
- Leaving early
- Free in the first 30 days. After that the rest of the term is due
- Refunds
- None for prepaid service. Bought phones can go back in 30 days
- Your numbers
- Can be reassigned after you leave
- Your data
- Download recordings within 90 days and export call logs before canceling
Terms as of October 2026, from Ooma's Office terms.
What users say
What reviewers say most often, as of October 2026.
What users like
- Straightforward setup
- Call quality
- Remote and mobile access
- Virtual receptionist and call routing
- Ease of use
What users dislike
- Dependence on a stable internet connection
- Call lag or audio issues
- Voicemail and forwarding issues
- Uneven support experiences
Ooma Office alternatives
- NextivaFrom $15 a user per month, billed yearlyPhones plus a predictive contact center
- RingCentralPer user, prices on its sitePhones with Do Not Call scrubbing on RingCX
- DialpadFrom $15 a user per month, billed yearlyPhones with a separate power dialer
- AircallFrom $30 a user per month, billed yearly, 3-user minimumPhone system with a power dialer on Professional
- Phone.comPer user, prices on its sitePhone system Ooma bought in 2025
See every option in insurance dialers.
Frequently asked questions
How much does Ooma Office cost?
Essentials is $19.95, Pro $24.95 and Pro Plus $29.95 a user per month, plus a one-time activation fee.
Is Ooma's auto dialer a power or predictive dialer?
Neither. It works through a list one call at a time and waits for wrap-up before the next.
Does Ooma work with AgencyZoom?
Yes, on Pro Plus. Calls pop the record and log back with texts.
How long does Ooma keep call recordings?
90 days. Download any you need to keep longer.
How many texts does Ooma include?
250 a month on Pro and 1,000 on Pro Plus, shared across the account.
How we researched this review. We based this review on the pricing, terms and product pages published by Ooma Office, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Ooma Office quit selling or a contract term that reads different now, let us know and send the link to the page where Ooma Office has it. Somebody here pulls up that page and checks it before we change anything on ours.