Premium Home Insurance for the Massachusetts Homeowner

Experience comprehensive protection and personalized service, tailored to the unique challenges of New England living.

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Why Massachusetts Homeowners Choose Openly

Independent agent support
We work with independent home insurance agents across Massachusetts who understand the unique needs of local homeowners, from insuring iconic Boston brownstones to classic New England homes. Our agent partners provide personalized guidance and expert support, ensuring you feel confident in your coverage every step of the way.

Premium coverage made simple
From frozen pipes on the North Shore to storms on the South Shore, our home insurance policies are designed to withstand the realities of Massachusetts weather. We offer robust protection for high-value homes without the confusing fine print. It's straightforward coverage you can count on.

Technology-driven efficiency
Massachusetts homeowners deserve a smarter home insurance experience. Openly delivers quick, accurate quotes and seamless policy management through our modern tech platform. You get more control and save time, all with the trusted support of a trusted local agent.

Home Insurance Services in Massachusetts

Whether your home has been damaged by fire, theft, or other disaster, our mission is to make the claims process frictionless and easy. We combine innovative technology with trusted local partners to quickly and accurately assess damage and estimate repairs so you can get back to normal as soon as possible.

Customizable home coverage

From icy winters to unpredictable nor’easters, Massachusetts weather can take a toll on your home. Our policies offer protection for the real risks Bay State homeowners face, like roof damage from snow, water intrusion from ice dams, and wind-related repairs.

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High-value home policies

Whether you own a home in Beacon Hill or a property on the Cape, Openly’s coverage is built for high-value homes that need more than just the basics. We offer elevated limits, guaranteed replacement cost options, and protection for unique architectural features and fine finishes.

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State-specific add-ons

Massachusetts homeowners often need additional protection for weather-related concerns. We offer windstorm deductibles tailored to a variety of regions and endorsements that address the challenges of older homes, so your policy fits where you live.

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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

Does homeowners insurance in Massachusetts cover damage from nor’easters or winter storms?

Yes, standard homeowners insurance typically covers damage from snow, ice, and wind caused by nor’easters. However, it’s important to review your policy for specific coverage limits and exclusions related to roof damage, ice dams, and power outages.

What is a windstorm deductible and how does it apply in Massachusetts?

In parts of Massachusetts, some insurance policies include a separate windstorm or hurricane deductible. This deductible is selectable by the Named Insured and applies only when damage is caused by named storms or high winds.

Do I need additional coverage for older homes in Massachusetts?

If your home was built before modern building codes, you may want to consider optional endorsements like ordinance or law coverage, which helps pay for upgrades required by code after a covered loss. Older homes may also benefit from equipment breakdown coverage for outdated systems.

Are mold and water damage covered in Massachusetts homeowners insurance policies?

Mold and water damage coverage depends on the source of the issue. Sudden and accidental water damage may be covered under Openly’s base policy, while mold from long-term leaks or humidity may be excluded. In Massachusetts' damp climate, it’s wise to ask about mold-specific coverage options.

Safeguard Your Home in Massachusetts

Protect your home with premium, customizable insurance.