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
Operational underwriting snapshot for Openly (personal lines property; agent-distributed only): Preferred business / risk profile - Primary and secondary owner-occupied one- and two-family dwellings plus eligible condos and (in many states) 1–4 family rental/landlord properties.([assets.ctfassets.net](https://assets.ctfassets.net/0m7kzht9qfwy/2GW0t4xjzOyPOKBtvzLpyW/c52bc8751350640282ccb47e118e1e56/Underwriting_Guide.pdf?utm_source=openai)) - Middle‑ to upper‑value homes; coverage A often $300,000+ and up into high‑value segment, with broad open‑perils coverage and high limits (including extended or guaranteed replacement cost where available).([openly.com](https://openly.com/?utm_source=openai)) - Well‑maintained roofs, modernized utilities, and generally good pride-of-ownership; standard protection class and normal fire/EMS access. - Insureds with relatively clean prior loss histories (no pattern of frequent property claims, limited recent severe losses).([assets.ctfassets.net](https://assets.ctfassets.net/0m7kzht9qfwy/2GW0t4xjzOyPOKBtvzLpyW/c52bc8751350640282ccb47e118e1e56/Underwriting_Guide.pdf?utm_source=openai)) - Risks placed and serviced exclusively through appointed independent agents; no direct-to-consumer binding.([openly.com](https://openly.com/?utm_source=openai)) Key eligibility & risk selection themes - Occupancy: Accepts primary, secondary, and some seasonal use subject to guidelines; non‑resident owners typically must fit rental/landlord program rules. Vacant or unoccupied dwellings are generally ineligible outside tightly defined renovation/transition scenarios.([assets.ctfassets.net](https://assets.ctfassets.net/0m7kzht9qfwy/2GW0t4xjzOyPOKBtvzLpyW/c52bc8751350640282ccb47e118e1e56/Underwriting_Guide.pdf?utm_source=openai)) - Construction: Standard frame, masonry, or superior construction preferred. Homes must be of insurable quality with no substantial unrepaired damage or knob‑and‑tube aluminum wiring, failing roofs, or similar critical hazards. - Age/condition: Older homes often acceptable where major systems and roofs are updated and condition is good; severely distressed, poorly maintained, or structurally compromised homes are declined.([assets.ctfassets.net](https://assets.ctfassets.net/0m7kzht9qfwy/2GW0t4xjzOyPOKBtvzLpyW/c52bc8751350640282ccb47e118e1e56/Underwriting_Guide.pdf?utm_source=openai)) - Liability: Personal liability is included; exposures such as trampolines, pools without proper safeguards, aggressive dog breeds, or business-on-premises are underwritten carefully and may be restricted or declined depending on details.([assets.ctfassets.net](https://assets.ctfassets.net/0m7kzht9qfwy/2GW0t4xjzOyPOKBtvzLpyW/c52bc8751350640282ccb47e118e1e56/Underwriting_Guide.pdf?utm_source=openai)) Restricted or declined classes / situations - Habitational risks with significant prior fire, water, or liability claim frequency, arson, or fraud indicators. - Dwellings with major unrepaired damage, significant code issues, or serious life‑safety hazards (e.g., severely deteriorated roofs, inadequate heat, unsafe wiring, severe mold).([assets.ctfassets.net](https://assets.ctfassets.net/0m7kzht9qfwy/2GW0t4xjzOyPOKBtvzLpyW/c52bc8751350640282ccb47e118e1e56/Underwriting_Guide.pdf?utm_source=openai)) - Long‑term vacant, abandoned, or condemned properties; properties used primarily for short‑term rental / hotel‑like operations or where business use dominates the risk.([assets.ctfassets.net](https://assets.ctfassets.net/0m7kzht9qfwy/2GW0t4xjzOyPOKBtvzLpyW/c52bc8751350640282ccb47e118e1e56/Underwriting_Guide.pdf?utm_source=openai)) - Certain aggressive dog breeds, high‑risk recreational equipment, or other premises conditions the carrier categorically excludes in its personal liability rules.([assets.ctfassets.net](https://assets.ctfassets.net/0m7kzht9qfwy/2GW0t4xjzOyPOKBtvzLpyW/c52bc8751350640282ccb47e118e1e56/Underwriting_Guide.pdf?utm_source=openai)) - Properties far outside data/inspection comfort zones (extreme protection challenges, unusual construction, or exposure profiles clearly beyond "standard to affluent" home segment) are typically out of appetite. Geographic notes - Personal lines home products currently written in a defined footprint of roughly two dozen states; as of the latest public marketing page, Openly lists active or announced 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, WI, with Nevada and New Jersey flagged as "coming soon." Production should be limited to states where Openly is currently filed and live in the agent portal.([openly.com](https://openly.com/?utm_source=openai)) - Coastal/cat-exposed property is approached selectively; appetite materials emphasize standard and higher‑value homes but do not present Openly as a broad residual or distressed‑cat market. Agents should confirm distance‑to‑coast, wind/hail, wildfire, and other cat rules per state-specific underwriting bulletins before binding.([assets.ctfassets.net](https://assets.ctfassets.net/0m7kzht9qfwy/2GW0t4xjzOyPOKBtvzLpyW/c52bc8751350640282ccb47e118e1e56/Underwriting_Guide.pdf?utm_source=openai)) Submission & workflow expectations (for producers) - Business is written exclusively through appointed independent agents using Openly’s digital rating/binding platform; agents are expected to enter complete, accurate risk details and rely on real‑time data enrichment for eligibility and pricing.([openly.com](https://openly.com/?utm_source=openai)) - Pre‑bind: confirm property address, occupancy, construction, age/condition of roof and systems, and any unusual liability exposures (dogs, pools, business, short‑term rentals). Mismatches between application data, 3rd‑party data, or inspections can result in repricing, underwriting referral, or cancellation.([assets.ctfassets.net](https://assets.ctfassets.net/0m7kzht9qfwy/2GW0t4xjzOyPOKBtvzLpyW/c52bc8751350640282ccb47e118e1e56/Underwriting_Guide.pdf?utm_source=openai)) - Loss information: report prior losses fully and accurately. The underwriting guide stresses risk selection based on loss histories; undisclosed claims discovered post‑bind may trigger non‑renewal or cancellation.([assets.ctfassets.net](https://assets.ctfassets.net/0m7kzht9qfwy/2GW0t4xjzOyPOKBtvzLpyW/c52bc8751350640282ccb47e118e1e56/Underwriting_Guide.pdf?utm_source=openai)) - Documentation: Be prepared to supply photos, proof of updates, or additional details when requested, especially for older homes, large schedules, or borderline conditions. Broker/producer notes - Materials (including the Appetite Guide) are labeled "For Agent Use Only" and intended as producer‑facing references for fit/eligibility, not consumer distribution.([openly.com](https://openly.com/hubfs/00%20Marketing%20Collateral/Agent_AppetiteGuide.pdf?utm_source=openai)) - Agents are expected to understand Openly’s value proposition (broad HO‑5 style coverage, high limits, tech‑enabled underwriting) and to avoid submitting risks clearly outside stated appetite (distressed property, heavy short‑term rental, severe prior losses), as repeated off‑appetite submissions may affect underwriting responsiveness. - When in doubt on borderline risks (older roofs, unique construction, unusual occupancy), producers should contact their Openly marketing or underwriting contact or consult the latest edition of the Underwriting Guide and any state‑specific bulletins in the agent portal before binding coverage. Overall positioning - Openly is best used as a go‑to market for well‑kept, often higher‑value personal dwellings in its active states where the insured values broad coverage and streamlined, tech‑driven service, rather than as a market of last resort or for distressed property accounts.