Openly Home Insurance is a type of home insurance that offers excellent insurance coverage for high-value homes and homeowners. Openly only sells home insurance, which means if you need a different type of coverage, you will have to get that from a different companies. Also, it sells home insurance in 22 different states, including Georgia, Alabama, Kansas, Mississippi, Indiana, New Mexico, South Carolina, etc.
If you reside in any of these 22 states, you should be able to purchase home insurance as a high-value homeowner as well as for a high-value home. Before purchasing a home insurance policy from this insurance company, read through this write-up to gain better knowledge of how this insurer works.
Openly Home Insurance Coverage
Openly Home Insurance offers comprehensive coverage for homeowners to select from. This insurance coverage comes with competitive rates as well as affordable premiums. The following are the types of coverage Openly home insurance offers:
- Dwelling Coverage: This home insurance coverage covers your home structure.
- Personal Property Coverage: This covers damages, theft, or vandalism of your belongings.
- Additional Living Expenses: In cases where you have to evacuate your home for a short time while your home undergoes repairs, this coverage covers hotel costs as well as meal costs and other expenses.
- Other Structures Coverage: Structures like sheds, garages, and fences are covered by this home insurance coverage.
- Liability Insurance Coverage: This insurance coverage covers accidental damages and injuries caused by a policyholder to others.
- Medical Payments to Others: The medical bills of someone who sustains injuries on your property are covered by this insurance coverage.
From this list, you can purchase one or more coverages from Openly Home Insurance at affordable prices. However, irrespective of what insurance coverage you select, after paying your first premium, your policy will kick in.
Additional Coverage
Just like other home insurance companies, this insurer also has additional coverage options its customers can select from. This additional coverage is given to offer wider insurance coverage to all their customers. Its additional coverage includes:
- Blanket personal property.
- Equipment breakdown coverage.
- Home-sharing coverage.
- Personal cyber coverage.
- Water coverage.
- Assisted living care.
- Earthquake coverage.
- Guaranteed replacement coverage.
- Landscaping.
- Watercraft.
This additional coverage can be purchased with any home insurance coverage you purchase. Irrespective of the fact that you are required to pay more because of this additional coverage, it is worth getting.
What Does It Not Cover?
While this insurance covers a lot of events, some events are not covered by this insurance. These events include:
- Flood.
- International damages.
- Law or ordinance.
- Damages due to negligence.
- Government action.
- Nuclear hazard.
- War.
In cases where your home or personal property gets damaged due to these events, it will not be covered by this insurance.
How to Purchase Openly Home Insurance
Just by contacting an Openly Home Insurance independent agent, you can easily identify the right coverage you need as well as purchase it. The steps below show how you can purchase home insurance from this insurer.
- Visit Openly Home Insurance Company’s website.
- At the top right of the page, click on Customers.
- On the pop-up list, select “Connect with an agent.”
- On the form given, enter the following information, like your full name, address, email, valid phone number, and if you are an existing policyholder or not.
- After completing that, click on submit.
After this has been completed, Openly will connect you to one of its agents. Through this agent, you will then get to select what coverage type you want, as well as the process of getting it.
How to File a Claim with Openly Home Insurance
Just like connecting to an agent easily through the Openly Home Insurance company website, you can file a claim. To file a claim with Openly, you should:
- On the company’s website, click on Claims at the top right of the homepage.
- Click on “file a claim” on the pop-up list.
- Fill out the claim form using the following information, like your name, policy number, and date of incident.
- On the next page, enter every piece of information required about the incident.
- Include pictures and videos of the incident.
- Click on submit.
After this, an Openly official will review your claim and get back to you within the following business day.
