Select the option that best describes the applicant's current ownership and coverage details when completing this application question:
- Yes: The applicant currently owns the home and maintains active homeowners coverage through Openly or another carrier.
- The client doesn’t own yet and is not insured: The applicant is purchasing the dwelling and will not take ownership until the pending sale closes.
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The client owns and is not insured: The applicant owns the property but does not currently have active homeowners coverage, including situations where a lender has force-placed coverage.
The above is meant as general information. This information does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to general claims handling steps, average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation.
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