Carrier

What types of properties does Openly insure best?

Openly specializes in higher-value homes that standard carriers like State Farm or Allstate price poorly or decline. Their HO-5 open-perils policy covers both dwelling and personal property on an open-perils basis -- a broader form than the standard HO-3, which only covers personal property for named perils. Openly is a strong fit for homes in the $400,000 to $2,000,000 replacement cost range, newer construction (typically under 20 years), and properties with clean loss histories. They are not the right fit for older homes with aging roofs or properties with prior claims.

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What types of properties does Openly insure best?

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