Openly’s homeowners' product is built for flexibility. While our core policy provides robust, broad protection, we offer specialized endorsements to tailor coverage to unique environmental or regulatory regional needs.
Because availability is determined by state regulations and individual property risk profiles, the Openly Portal remains your ultimate source of truth. When you enter a property address, the system will dynamically display only the endorsements approved and available for that specific risk.
Additional Coverages by State
If a state is not listed below, the coverage is not available for that region and will not appear in the portal.
| Coverage | States | How to Add |
|---|---|---|
| Event / Host Liquor Liability | MA | Automatically included in the policy. |
| Lead Poisoning Coverage | MA | Select the Coverage tab in the portal. |
| Mine Subsidence | IL, IN, KY, OH, PA | Select the Coverage tab in the portal. Then, submit a Massachusetts 1A Form confirming the tank complies with state requirements. |
| Property Remediation for Liquid Fuel and Limited Escaped Fuel Liability Coverage | MA | Select the Coverage tab in the portal. |
| Sinkhole Coverage | KY, PA, TN | Select the Coverage tab in the portal. |
Additional Coverages Explained
- Event and Host Liquor Liability: Provides liability protection assumed as a host during social gatherings where alcohol is provided to guests at no charge. This covers individuals, not business entities.
- Lead Poisoning Coverage: Crucial for older residential properties, this covers bodily injury, illness, or disease (including necessary care, loss of services, and resulting death) due to lead exposure.
- Mine Subsidence: Protects against structural damage caused by the collapse of abandoned underground mine shafts in regions with a history of underground mining.
- Property Remediation and Limited Escaped Fuel Liability: Covers specialized clean-up and liability if fuel escapes from a storage container. Includes up to $50,000 for remediation and $200,000 for bodily injury.
- Sinkhole Coverage: Covers physical damage to a structure caused by the sudden settlement or collapse of the ground beneath it, resulting from the underground interaction of water and rock formations.
For further assistance, contact us via our webform or Live Chat.