Openly  Avis 

easy to rate, clear coverage description, fast process

Openly is easy to navigate but the commissions are TERRIBLE! Openly is the last carrier I choose if I can't find anyone else.

We insured our home with Openly under an HO-5 policy, their highest and most comprehensive coverage tier, typically marketed for high-value homes. We have owned the property since 2022. Our initial annual premium was approximately $1,900; by the time we left Openly, it had risen to $4,400.

Despite carrying top-tier coverage, the claims experience was extremely poor.

Openly provides no meaningful access to an agent or advocate. Communication was slow, fragmented, and largely limited to email, even when issues were time-sensitive. When problems arose — including lost checks, delayed work, and third-party complications — there was little guidance or proactive support from the carrier.

Most concerning was Openly’s failure to decisively act after we revoked third-party claim involvement in writing. Rather than protecting the policyholder, the company continued to defer to that third party, introducing unnecessary risk and prolonging the claim. We were left to manage issues that should have been handled by the insurer.

From date of loss to resolution, the process stretched nearly seven months, with work left outstanding due to weather. Ultimately, resolution required us to involve mortgage servicers directly and impose our own controls just to move the claim forward.

Compounding this, after insuring our cedar roof for two years, Openly abruptly declined to continue covering it and significantly increased our premium — despite determining the roof was not damaged enough to replace. We subsequently moved to another carrier that charges about $1,600 less per year and had no issue insuring the same roof.

Openly may work for very simple situations, but even with an HO-5 policy, their lack of advocacy, slow responsiveness, and weak handling of third-party issues make them difficult to recommend.

The website is very easy to quote and bind new policies.

I needed a Great Market for a great house. Openly was easy to quote and the premium was very competitive. This quote was for a long time client that built the house new last year and the carrier he was with pulled out of the State of CT. That was the only reason we needed a new policy and Openly stepped up to the Plate!

Easy to submit form and efficient confirmation of completion received

Openly is a great has a great product, I am so glad that I am finally seeing competitive rates from them!

Easiest software to write and bind policies

Quick Quotes are great! Program qudickly picks up if a client is a good fit or not. Rates good when client is a good fit.

Openly has one of the user-friendliest platforms with which to quote my clients and rates are extremely competitive. This makes my job so much easier!

Quoting with Openly has been very quick and super efficient. With handling a large volume of quotes a day, Openly makes my day way easier. I also find that when a home is eligible the rate is very competitive. Love it!

Easy quoting experience. Love that the replacement cost is guaranteed up to 5 million.

Openly made quoting and issuing coverage very simple and straight-forward. I appreciate that! And when I called with questions, the rep was very helpful.

Great coverages and easy to navigate.

This was a very easy process! I hope to be able to sell more policies!

Very easy process, and my questions were answered quickly.

It’s pretty simple. You were the best coverage at a great price. Easy to use application. I wish more companies were like yours.

Easy quoting platform and easy to navigate binding coverage