Openly Homeowners Insurance
Openly
4.4
Independent agent exclusive. High-value focus. Guaranteed replacement. A+ AM Best.
Editorial score
4.4 / 5
Product type
home insurance
Our take
Openly is an MGA (managing general agent) that provides premier homeowners coverage exclusively through independent agents. Offers guaranteed replacement cost, broad form coverage, and a best-in-class policy for homes valued $400K–$5M. A+ AM Best. Growing fast in the HNW segment.
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Full details
| best for | Homeowners with properties $400K–$5M working with an independent agent |
| specialty | Independent agent channel, high-value homes |
| am best rating | A+ |
| headline metric | Agent-placed premium policy |
| home value tier | high |
| secondary metric | Guaranteed replacement cost |
| states available | 46 states |
| bundling discount | up to 10% |
| minimum home value | $400,000 |
| discount highlights | Claims-free, protective devices, new home, wind mitigation |
Frequently asked questions
What should I compare besides premium for Openly Homeowners Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Openly Homeowners Insurance right for me?
Openly is an MGA (managing general agent) that provides premier homeowners coverage exclusively through independent agents. Offers guaranteed replacement cost, broad form coverage, and a best-in-class policy for homes valued $400K–$5M. A+ AM Best. Growing fast in the HNW segment.
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Verified Apr 2026
Openly Homeowners Insurance