Openly

What they are known for

Openly is built around one idea: a stronger rebuild promise. Its signature is guaranteed replacement cost, which means a covered home is rebuilt even if the cost runs past the policy limit, paired with broad personal property and high liability. It sells only through independent agents, so the policy is placed and serviced through us, while claims are filed directly with Openly.

Guaranteed replacement costHigh-value homesBlanket personal property$1M liabilityAgent-only

Coverage at a glance

Guaranteed replacement cost up to $5M. In Oregon, the home can be rebuilt even if the cost exceeds the policy limit, up to $5 million. The rebuild promise is the centerpiece of the policy.
Personal liability up to $1M, plus medical payments for guests injured on your property.
Blanket personal property up to $100,000, on a replacement cost basis, with a zero-deductible option.
Included features: mold and fungi remediation up to $10,000 (liability up to $50,000), concealed water seepage up to $20,000, other structures, refrigerated property up to $5,000, and tree removal up to $5,000 per occurrence.
Optional add-ons: water backup, equipment breakdown, buried service lines, home-sharing, and personal cyber.
Property types: primary residence, secondary and seasonal homes, and rented-to-others, with up to nine properties insured (each on its own policy).

When we may consider Openly

We may compare Openly when a home would benefit from a true guaranteed replacement cost promise, when an owner wants strong included coverages without assembling a stack of endorsements, or for a higher-value or well-kept home where the rebuild number is the priority. It is a frequent fit for primary and high-value homes in the states where it is available.

Good to know before you choose

Openly is a program administrator, and its policies are underwritten by unaffiliated insurers. Availability, eligibility, and some limits vary by state. In a small group of states (CT, GA, KS, MS, MO, NH, OH, SC, TN, and WI) the guaranteed replacement cost amount is subject to the Coverage A limit and policy conditions; Oregon is not in that group, so the up-to-$5M guaranteed replacement cost applies. Because it is agent-only, there is no direct-to-consumer purchase, which is where we come in.

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Service and claims

Claims are filed directly with Openly. For claims, billing, or service contacts, use the Carrier Directory, or start a request in the Service Center.

Visit the official Openly website →