Agents will select the appropriate dwelling type for the property address on the Property Review tab in the Portal.
We will accept the following home types, subject to state-specific underwriting guidelines
- Yes, detached single family: A free-standing residential building
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Yes, attached single family ( e.g. townhome, row house)
- Townhouse: A style of multi-floor home that shares one or two walls with adjacent properties.
- Rowhome: A single-family home set at the same point on the property line as its neighboring units, sharing a common wall, roofline, and, generally, a consistent exterior design.
Rowhomes and Townhomes should have
- No Master policy for the exterior or roof (the owner must be responsible for the exterior)
- No shared common areas or entrances
- Has separate unit addresses or street numbers (e.g. Unit A, Unit B)
Selecting No answers will result in a Does Not Qualify status that cannot be overridden.
Multi-family homes
We do not accept multi-family homes, except in Connecticut for main dwellings housing two to four families and subject to eligibility.
A multi-family home is a structure that contains multiple separate living spaces, each with essential amenities, such as a kitchen, bathroom, and may have separate entrance points, which allow independent living for different households. A multi-family home may also have separate addresses.
Examples of multi-family / unit structures
- Duplex, triplex, and quadplex
- Apartment buildings
- Attached condos and townhomes with a master policy covering the exterior or roof
- A dwelling with units A, B, etc., within one main building
A multi-family home is not
- A dwelling with a finished space containing a wet bar, kitchen, mother-in-law suite, casita, or pool house
- A separate structure on the property rented to others
- A room rented to others
If you want to learn more about Openly's appetite, you may find the following articles helpful.
What Qualifies As an Unconventional Home?
Will Openly Accept Historical Homes?
HO-5: Will Openly Accept Homes Using Services Like Airbnb or Vrbo?
HO-3: Will Openly Accept Homes Using Services Like Airbnb or Vrbo?
Contact us via our webform or Live Chat for further assistance.