Premium Home Insurance in Connecticut

Home insurance designed for New England living.

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Why Connecticut Homeowners Choose Openly

Independent agent support
We partner with independent home insurance agents across the state who understand the unique needs of Connecticut homeowners—from shoreline flood risks in Fairfield County to ice dams in Litchfield. These trusted local agents provide personalized guidance, so you get coverage that fits your home and lifestyle.

Premium coverage made simple
Connecticut homes often face severe winters, aging infrastructure, and exposure. Our policies are built to cover what matters most—offering broad home insurance coverage for high-value properties and a straightforward process that eliminates the guesswork.

Technology-driven efficiency
With Openly, you can get a quote in minutes and manage your policy with ease—no paperwork hassles or hidden gaps. Our tech-driven platform is designed for today’s Connecticut homeowner, backed by the local expertise of independent agents who know your neighborhood.

Customizable home coverage

From ice storms to power outages and wind damage, Connecticut homeowners face a range of seasonal risks. Openly’s home insurance coverage goes beyond the basics, offering peace of mind with protection that’s built to handle harsh New England winters and unexpected weather events.

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High-value home policies

Whether you live in a classic colonial in West Hartford or a waterfront property in Old Saybrook, Openly offers robust policies designed to protect high-value homes. Enjoy broader replacement cost options and tailored protection for custom finishes, details, and more.

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Experienced claims support

Openly is on a mission to make the claims process frictionless and stress-free. We combine innovative technology with the expertise of trusted local partners to quickly—and accurately—assess the damage to your property and estimate repairs. No matter if your home has been damaged by fire, windstorm, or another covered peril, we aim to get you back to whole as quickly as possible.

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We feel very safe with Openly insuring our home. I can't say that about any other insurance company, but with Openly? Absolutely, 100% safe. I know they are going to take care of us and always have our back.

Rachel Enko

Openly Policyholder

I filed a claim with Openly in March because the storm had taken off part of my roof….All the people I talked to at Openly were knowledgeable and gave me the information I needed immediately….Knowing I have Openly, I feel secure.

Marianne Lamb

Openly Policyholder

How can I protect my home from snow and ice damage during Connecticut winters?

Start by clearing gutters, removing snow from your roof, and adding extra insulation. It’s also smart to schedule a roof inspection before winter hits. Taking these steps early can help you avoid costly repairs later.

What are the risks of owning an older home in Connecticut, and how can I manage them?

Older homes can come with outdated wiring, plumbing, and foundation issues. Plan for regular inspections and tackle repairs early to keep your home safe and up to code.

How do I prevent basement moisture or water damage in a Connecticut home?

Make sure your yard slopes away from your home, seal any foundation cracks, and install a sump pump if needed. Regular maintenance goes a long way in protecting your basement. You should also check basement walls after heavy storms.

What makes independent agents better than direct insurance carriers?

Independent agents work for you, not an insurance company. They compare multiple carriers to find the best coverage for your unique situation. With an independent agent, you get guidance from someone who knows Connecticut homes and understands local risks.

Does homeowners insurance in Connecticut cover flooding from heavy rain or snowmelt?

Most homeowners insurance usually doesn’t cover flood damage. If you’re concerned about flooding, you’ll likely need a separate flood insurance policy. An agent can help you determine whether you should consider a flood insurance policy.

Safeguard Your Home in Connecticut

Join thousands of Connecticut homeowners who are protecting their homes with Openly’s premium, tailored insurance coverage and local support.