Is Openly OK With Horses and / or Other Animals?

Openly is comfortable writing policies for homes with dogs and other animals, provided they are for private usage.
Coverage for horses, cows, chickens, and other animals would be Coverage E (Liability). The animals would not have coverage under any other part of the policy.

Liability would extend to these types of animals (as long as they are for private use):

  • Horses
  • Alpacas
  • Goats
  • Chickens
  • Sheep
  • Cows
  • Other domesticated animals

Liability would not extend to these types of animals:

  • Foxes
  • Coyotes
  • Monkeys

Exotic Animals:

Only in New Hampshire can an Insured own an exotic animal as a pet and still place coverage with Openly.
On the Property Review tab in the Portal, agents must answer the question: Are there any exotic animals as pets on the property? 

Openly requires a signed exclusion form to be submitted to our Customer Experience Team if answered Yes

The animals would not have coverage under any part of the policy as Openly excludes coverage for bodily injury and property damage caused directly or indirectly by any excluded animal. 

An exotic animal is defined as:

  • Wild by nature
  • Not usually domesticated
  • Illegal to own or acquire
  • Venomous or poisonous
  • Non-human primates or birds of prey

Exclusion remains in effect unless discontinued by the company. 

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

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