Openly, Inc
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This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Openly is currently a premium homeowners market distributed exclusively through independent agency partners. Officially published appetite indicates a focus on primary residences, secondary/seasonal homes, and homes rented-to-others. Primary and secondary business is positioned as HO-5 for modern, well-maintained homes; rented-to-others is positioned as a standard or modified/enhanced HO-3 landlord form. Published coverage positioning includes guaranteed replacement cost up to $5M, liability up to $1M, Coverage B up to 100% of RCE, Coverage C up to 150% of Coverage A/RCE on homeowners forms, blanket personal property category coverage up to $100K, limited hidden seepage/water leakage coverage up to $20K, mold/fungi remediation $10K with related liability $50K, and optional/extended home-sharing or short-term rental coverage. Geographic availability currently verifies 24 states: Alabama, Arizona, Connecticut, Delaware, Georgia, Illinois, Indiana, Kansas, Kentucky, Maine, Massachusetts, Mississippi, Missouri, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, and Wisconsin. Legal disclosures note that new business TIV is capped at $6M in Connecticut, Delaware, Pennsylvania, Virginia, and Wisconsin; once $6M TIV is selected in those states, additional Dwelling, Other Structures, Personal Property, or Loss of Use cannot be added. State-specific coverage caveats are also published for CT, GA, KS, MS, MO, NH, OH, SC, TN, and WI, where certain coverage amounts are subject to Coverage A and policy conditions. Submission and producer guidance: business is sold only through independent agents; non-appointed agencies can request appointment through the website, after which Openly reviews agency eligibility and guides onboarding. Openly advertises a fast-bind workflow with quote generation in as little as 15 seconds using name, date of birth, and property address, and emphasizes data accuracy, real-time underwriting, and online binding. Broker notes: Openly is a general agency/program administrator, not the underwriting carrier; policies are underwritten by unaffiliated admitted insurers through Openly’s agency network. Official appetite material references viewing homes that are not a fit for Openly, but the decline list itself was not fully verifiable from accessible official pages in this refresh. As a result, confirmed restrictions are limited to published product/use-type boundaries, state availability, TIV limits, and form/coverage conditions rather than a full prohibited-class schedule.