What makes Openly coverage different in Georgia?

Openly writes HO-5 (open-perils on dwelling AND contents, broader than standard HO-3) through independent agents. Coverage is stronger than standard Georgia homeowners: fewer exclusions on personal property, broader definition of covered loss. One important Georgia caveat: Openly's Guaranteed Replacement Cost is capped at your Coverage A limit in Georgia, unlike some other states where it extends above the limit. Getting dwelling coverage right matters more on an Openly Georgia policy than anywhere else. We calculate rebuild cost carefully before placing coverage.