Openly, Inc
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
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 a U.S. homeowners-focused MGA/program administrator distributing through independent agency partners. Current official materials show appetite centered on primary residences and secondary/seasonal homes written on an enhanced HO-5 form, plus homes rented-to-others on a modified HO-3 landlord-style form. Preferred business appears to be modern, well-maintained homes that fit its automated/pre-underwritten model and can be quoted quickly through the agent portal. Coverage highlights currently published include guaranteed replacement cost up to $5M, liability up to $1M, other structures up to 100% of RCE, loss of use up to 100% of RCE, blanket personal property category coverage up to $100K, and home-sharing/short-term-rental extended coverage. Practical restrictions/guardrails disclosed in official materials include: eligibility and features vary by state; in CT, GA, KS, MS, MO, NH, OH, SC, TN, and WI, certain dwelling-related limits are subject to Coverage A and policy conditions; items valued over $25,000 should be scheduled; and for new business in CT, DE, PA, VA, and WI, total insured value is capped at $6M, with no additional dwelling/other structures/personal property/loss of use added once that cap is reached. Openly does not publish a broad public declined-classes list on the pages verified here, so hard declines beyond state/limit eligibility were not confirmed from official sources. Geographic notes: Openly’s current site shows availability in 24 states with Idaho marked coming soon on the agents page; legal disclosures list active underwriting carrier availability in AL, AZ, CT, DE, GA, IL, IN, KS, KY, ME, MA, MS, MO, NH, NM, OH, OK, OR, PA, SC, TN, UT, VA, and WI, with MS Transverse additionally used in CT, DE, OK, PA, VA, and WI. Submission/producer guidance: business is intended for independent agents; agencies request appointment online, Openly contacts applicants within 2 business days, typical appointment timing is 5-10 business days, and approved agencies receive portal demo, onboarding webinar, credentials, and an onboarding associate. Broker/producer operating notes include fast quoting using minimal data points, online bind capability, built-in help/chat support, and emphasis that the platform is effectively pre-underwritten for quicker issuance. Underwriting carriers currently disclosed are Rock Ridge Insurance Company (Clear Blue Insurance Group) and, in selected states, MS Transverse Insurance Company.