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For Consumers

Home Insurance Simplified

Home is where the heart is. Protect what matters most.

Insurance Like It Should Be

patio

Protect What Matters

dwelling-1

Dwelling

What's Covered:

  • The structure of your building, including walls, roof, and fixtures

What's it covered from:

  • Open perils, meaning all types of losses unless specifically excluded
other structure

Other Structures

What's Covered:

  • Any structure outside of your home like detached garages, sheds, and fences

What's it covered from:

  • Open perils, meaning all types of losses unless specifically excluded
personal property

Personal Property

What's Covered:

  • All personal belongings like furniture, clothing and electronics

What's it covered from:

  • Open perils, meaning all types of losses unless specifically excluded. This is uncommon.
loss of use

Loss of Use

What's Covered:

  • Expenses incurred if unable to live at your residence

What's it covered from:

  • Reimbursement for additional living expenses while your home is repaired or rebuilt
liability

Liability

What's Covered:

  • Legal defense and liability if sued
  • Medical expenses for guest injured on your property

What's it covered from:

  • Lawsuits happening on and off your property where you are liable
  • Slips and falls and other minor injuries

Our Policies

HO-5

Primary and Secondary
Our standard primary and secondary policies are written as an HO-5, providing superior coverage and additional protections for your home
and personal property. We make it easy to customize your coverage so you're covered for the things you need, and not what you don't.  

HO-3

Rent-to-Others
Openly also offers Rent-to-Others policies, which means we'll write your home, even if you don't live in it. Written as a standard or enhanced HO-3,
this type of policy protects a home that the Named Insured exclusively
rents to others for a fee.

Home Insurance 101

Guaranteed Replacement Cost means that Openly will cover the full cost of replacing the home—even if the amount exceeds coverage limits (in the event the insured chooses to rebuild).*

*In GA, KS, MS, MO, NH, OH, SC, TN and WI, coverage amount is subject to Coverage A and conditions listed in the policy.

Blanket coverage is coverage of contents of the home up to a predetermined limit. This reduces the number of scheduled property items, which lessens the need for appraisals by the policyholder. 

An endorsement is a modification to an insurance policy, such as an additional coverage option. Openly offers more than 15 endorsements.

Scheduled property is an endorsement, or supplement, that extends coverage beyond standard protections, ensuring full coverage of high-value items, such as jewelry

The named insured are the parties who appear on the policy declarations page and have an insurable interest in the dwelling and its contents.

A named peril policy insures against the sources of loss (perils) that are listed in the policy such as fire, earthquake or hail.

An open peril policy insures against the sources of loss (perils) to covered property from all causes except those that are specifically excluded. Our primary and secondary home policies cover dwelling, other structure, and personal property under “open perils”.

Have a claim?

To file a claim, call your agent, contact our claims department at 888-808-4842, or file online.