Your Home, Your Coverage
Safeguard what matters most with high-value home insurance coverage you can trust.
Experience True Peace of Mind
- Guidance you can trust
With personalized guidance from your chosen independent agent, you'll gain a deep understanding of your policy and the protection it offers your home and belongings against the unexpected. - Say goodbye to “gotchas”
Openly prioritizes transparency, eliminating the frustration of hidden financial liability. - Coverage that adapts to your needs
Forget about generic, one-size-fits-all policies. Openly's flexible home insurance coverage was designed to align with your unique needs. Work with your independent agent to customize your policy, from coverage limits to deductibles.
Customizable Policies
Whether it's your primary home, a vacation retreat, or a property rented-to-others, we provide the protection you need.
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Primary Residence
Openly provides personalized coverage tailored to your needs, including guaranteed replacement coverage up to $5M* and broad liability up to $1M.
Secondary & Seasonal
Openly’s transparent and customizable coverage extends to second homes with features like blanket personal property coverage up to $100K.
Rented-to-Others
Protect your rental investments with our specialized landlord insurance policy. This policy covers loss of rental income, landlord’s personal property on the premises, and liability claims for named perils.
Home Insurance Coverage Highlights
Our customizable insurance is designed to be straightforward, transparent and hassle-free. Explore the features that make Openly the best choice for homeowners.
Guranteed replacement cost
Go beyond standard coverage. Guaranteed Replacement Cost coverage means that your home will be rebuilt, even if the cost exceeds your initial policy limits.* It's an added layer of security for complete worry-free protection.
Superior liability protection
Protect yourself from financial loss due to accidents or injuries on your property. Openly’s liability coverage offers up to $1 million in coverage for personal injury, bodily injury, and property damage claims. Our medical payments coverage provides essential support for medical expenses incurred by guests injured on your property, regardless of who is at fault.
Broad property coverage
Get blanket coverage for personal belongings, with limits up to $100,000. With replacement cost coverage and a zero-deductible option, you can rest easy knowing your cherished possessions are safeguarded. Openly prioritizes your peace of mind, providing protection that goes beyond the ordinary.
Tailored protection for your home
Customize your coverage to fit your unique needs with a range of optional add-ons, including water backup and equipment breakdown. With the flexibility to adjust these optional coverages, you can tailor your policy for worry-free protection.
Home Insurance Coverage Features & Options
Enhance your protection with Openly's comprehensive coverage features and flexible options, designed to safeguard every aspect of your home.
Features
Options
Mold & fungi
Breathe easy with coverage for mold and fungi. Openly home insurance policies cover remediation costs (up to $10,000) and liability claims (up to $50,000) for covered losses, ensuring a healthy and safe home environment.
Other structures
Protect your detached structures like pool structures, garages, sheds, and fences. Our policy covers damage to these structures due to covered incidents.
Water seepage
Address hidden leaks before they become major problems. Our policy covers up to $20,000 in repairs for damage caused by concealed water seepage.
Refrigerated property
Keep your cool with coverage for refrigerated property. Our policy covers up to $5,000 for losses to property stored in refrigerators or freezers against power outages.
Tree removal
Openly's policies cover the cost of removing trees that fall due to a covered peril and are either causing damage or blocking your driveway or ramp. Get up to $5,000 per tree and $5,000 per occurrence.
Home-sharing
Extend your coverage when you rent out your home short-term. An Openly home insurance policy safeguards you during short-term home-sharing activities.
Equipment breakdown
Keep your home running smoothly. Openly’s optional coverage for mechanical or electrical breakdowns of appliances helps you fix or replace essential equipment. (Coverage varies by state.)
Water backup
Prevent costly water damage. Our policy offers coverage for repairs from water entering through backed-up sewers, drains, or sump pumps, protecting your home's interior.
Buried service lines
Openly’s policies offer protection against damage to underground pipes and lines (sewer, water, electrical).
Personal cyber
Secure your online life with optional coverage for losses from cyber threats like identity theft, credit fraud, and online crimes.
Features
Mold & fungi
Breathe easy with coverage for mold and fungi. Openly home insurance policies cover remediation costs (up to $10,000) and liability claims (up to $50,000) for covered losses, ensuring a healthy and safe home environment.
Other structures
Protect your detached structures like pool structures, garages, sheds, and fences. Our policy covers damage to these structures due to covered incidents.
Water seepage
Address hidden leaks before they become major problems. Our policy covers up to $20,000 in repairs for damage caused by concealed water seepage.
Refrigerated property
Keep your cool with coverage for refrigerated property. Our policy covers up to $5,000 for losses to property stored in refrigerators or freezers against power outages.
Tree removal
Openly's policies cover the cost of removing trees that fall due to a covered peril and are either causing damage or blocking your driveway or ramp. Get up to $5,000 per tree and $5,000 per occurrence.
Options
Home-sharing
Extend your coverage when you rent out your home short-term. An Openly home insurance policy safeguards you during short-term home-sharing activities.
Equipment breakdown
Keep your home running smoothly. Openly’s optional coverage for mechanical or electrical breakdowns of appliances helps you fix or replace essential equipment. (Coverage varies by state.)
Water backup
Prevent costly water damage. Our policy offers coverage for repairs from water entering through backed-up sewers, drains, or sump pumps, protecting your home's interior.
Buried service lines
Openly’s policies offer protection against damage to underground pipes and lines (sewer, water, electrical).
Personal cyber
Secure your online life with optional coverage for losses from cyber threats like identity theft, credit fraud, and online crimes.
High-Value Home Insurance Coverage FAQs
What makes a home “high-value,” and why do I need specialized coverage?
A high-value home typically has a replacement cost significantly higher than standard properties due to its size, location, materials, or custom features. Openly’s high-value home insurance provides that in the event of a covered loss, your home can be rebuilt to its original specifications with our guaranteed replacement cost coverage of up to $5 million.*
Does high-value coverage offer higher limits for jewelry, art, or collectibles?
Yes. Openly’s policies provide higher blanket coverage limits for valuable items such as jewelry, fine art, antiques, and collectibles. Independent agents can help tailor additional coverage to meet your specific needs.
Are specialty features like pools, guesthouses, or custom finishes covered?
Yes. Openly’s policies cover custom-built features, including high-end finishes, swimming pools, guesthouses, and other luxury amenities—to provide full protection for your home’s unique details.
Can I insure multiple properties under one high-value policy?
Openly insures primary residences, secondary homes, and rental properties (up to 9); however, each home requires its own policy. An independent agent can assist with structuring the right coverage across multiple properties.
Resources for Homeowners
Explore more ways Openly can help protect your home, belongings, and assets through our blog. Learn about the best coverage options, typical risks homeowners face, and how Openly’s high-value policies can help you live worry-free.
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