Phone Number(s):
- Chat is available during business hours by clicking on the "Chat" button located in the bottom right corner of your screen.
- Customer Service: 888-808-4842, Option 1
- Claims: 888-808-4842, Option 2
Email(s):
- Openly has web submission forms versus emails:
Customer Service Hours of Operation:
- Customer Service:
- Monday to Friday 9:00 AM to 8:00 PM EST
- Claims:
- Monday to Friday 8:00 AM to 8:00 PM EST and Saturday 9:00 AM to 4:00 PM EST
Current Lines of Business/States:
- Homeowners/ Dwelling Fire: AL, AZ, CT, DE, GA, IL, IN, KS, KY, ME, MA, MO, NH, NM, OH, OK, OR, PA, SC, TN, UT, VA, WI
Carrier Access:
- Individual log-ins
- Be sure to save in Last-Pass
Quote Bots:
- There are no quote bots for this carrier
Application Type:
- E-sign via carrier
Carrier Market:
- Openly’s target market consists of:
- Single-family homes with a replacement cost ranging from $400K to $2M.
- Homes built after 1990
- 2500+ square feet
- The Primary Insured should have an insurance score within the top 30%, but they will also consider those with an insurance score within the top 70%.
- ideally, there should not be any prior losses; however, they will consider homes with up to two (2) prior losses.
- They prefer separate Flood, Umbrella, and Auto coverages within the agency, but will accept monoline home coverage as well.
- Their underwriting process concentrates less on traditional factors—pools, dogs, and wires—and more on an automated assessment of the client's loss propensity using numerous factors.
- Openly insures primary and secondary residences and homes rented to others.
- Their standard homeowners' policy is an HO-5
- Secondary and/or seasonal homes are also written as an HO-5 policy with guaranteed replacement cost coverage.
- Homes rented to others are written as a standard or modified HO-3, this policy protects a home that the Named Insured exclusively rents to others for a fee.
Important Guidelines:
- The following risks are not accepted by Openly:
- Multi-family homes: Two or more family units in the same main dwelling. A family unit is the number of separate and distinct livable units within the property.1
- Mobile homes: Homes fabricated in a factory with an integrated chassis, then transported to a site as self-contained living units.
- Log or timber cabins: Homes constructed with interlocking log weight-bearing walls where the logs are typically both outside and inside surfaces of the home. Openly does allow log homes with stacked logs that are greater than or equal to 1,500 square feet.
- Homes that are on a historic registry: Homes listed on local, state, or national historic registries, which come with restrictions on structural repairs and upgrades.
- Homes that are built on stilts or piers: Homes that are raised on piles or piers (vertical parts of the foundation that are driven deep into the ground) over the surface of the soil or a body of water.
- Homes with on-site businesses: Homes hosting a home-based business with over five monthly visitors. Homes with daycares may have limited coverage.
- Homes with unconventional heating sources: Homes where the primary heating source is a non-thermostatically controlled stove, such as wood, kerosene, etc.
- Townhomes and condos: Townhomes and condominiums under a master policy with coverage for exterior structure or roof.
- Electrical systems that are not up to code: Homes with electrical systems that do not meet current codes, including knob and tube wiring.
- PPC 9 and 10: Homes with a greater risk of fire damage are classified as Public Protection Class (PPCⓇ) 9 or 10.
- Older rental properties: Homes that are 20 years or older are rented to others.
- Homes with non-standard roofing materials: Rolled roofs or homes with roof materials including gravel, t-lock shingles, or asbestos.
Additional Resources:
- Agency Resources Center
- Why Openly Talking Points.pdf
- Openly Primary Secondary Homeowners Coverage Guide.pdf
- Openly Landord Insurance Coverage Guide.pdf
- The Openly Claims Difference.pdf