What Are Openly’s Coverage C Sub-Limits?

Openly offers an endorsement for HO-5 policies that provide higher sub-limits for the following coverages:

Item Limit
Money, Currency $2,500
Securities $10,000
Watercraft $3,000
Trailers not used with Watercraft $5,000
Business property on/off premises

On-premises $15,000

Off-premises $10,000

Portable electronic equipment $10,000
Antennas, tapes, wires, records $5,000


This endorsement also includes an added sub-limit for the following items:

Wine $10,000
Comic books & Trading Cards $10,000
Collectibles, Figurines $10,000
Theft of Rugs & Tapestries $10,000
Theft of Tools $10,000
Art $10,000
Legally obtained marijuana $250

Coverage is subject to the policy deductible.


These sub-limits for the following coverages are based specifically on a loss due to the peril “Theft of, Misplaced or Lost”:

Theft of, Misplaced or Lost Jewelry, Watches, Furs $5,000
Theft of, Misplaced or Lost Firearms $10,000
Theft of, Misplaced or Lost Goldware $10,000

Coverage is subject to the policy deductible.

To learn more about our additional coverages, read our article, What Additional Coverages Are Included With an Openly Policy?

If you need further assistance, please reach out via our webform or Live Chat.



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