Openly creates a quote using three pieces of information: the applicant's name, Date of Birth, and property address. The Interview tab provides additional information variables and reports to determine eligibility.
These variables include, but are not limited to:
-
Replacement cost
-
Loss history
-
Insurance score
-
Location
-
Age of home
-
Wildfire risk
-
Public Protection Classification
When the reports are pulled into the quote, eligibility is determined by a combination of these factors. The specific variables considered depend on insurance regulations in the risk state.
If a quote has expired, contains incorrect information on the Interview tab, or requires a rewrite, the new quote may no longer qualify. Openly continuously evaluates its risk appetite and pricing to provide coverage at a sustainable, long-term level.
Does Not Qualify status cannot be overridden. If there is a second Human Named Insured, Agents are welcome to begin a new quote using that individual's information.
Insurance applicants in Virginia, you can send a written request for the specific reason and supporting information. You can also request access to, or correction, amendment, or deletion of your information and details about the information sources. Those requests can be submitted via our webform at https://help.openly.com/hc/en-us/requests/new.
Insurance applicants in Delaware, you can send a written request for the specific reason and supporting information. You can also request access to, or correction, amendment, or deletion of your information and details about the information sources. Those requests can be submitted via our webform at https://help.openly.com/hc/en-us/requests/new.
For further assistance, contact your state-specific Agency Success Manager.