Below is an overview of property types and risk exposures that fall outside Openly’s underwriting criteria across the states we write in. Please note that eligibility varies by state, so this list should be used as a reference rather than an exhaustive list.
Property Types
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Multi-Family Homes A multi-family home is a property designed for multiple independent households, each with separate entrances, utilities, or addresses. Openly does not accept multi-family homes in most states. In Connecticut (CT), we accept main dwellings with two to four families, following standard eligibility guidelines. |
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Townhomes & Rowhomes A multi-floor, single-family structure set along the same property line as neighboring units, sharing one or two common side walls, a continuous roofline, and a consistent exterior design. |
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Homes Built on Stilts or Piers Homes raised on piles or piers (vertical foundational supports driven deep into the ground) over the surface of the soil or a body of water. State variations apply for eligibility.
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Mobile Homes Homes constructed in a factory with a permanently attached chassis, which are then transported to a site as self-contained living units. |
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Log Cabins A log cabin is a traditional rustic structure made by stacking whole logs to form walls. Usually used as seasonal hunting camps or vacation homes, they are not suitable for year-round living due to the lack of regulated heating. Learn more about Log Cabins vs Log Homes. |
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Historical Homes Homes officially recognized on a local, state, or national historic registry. These properties typically have strict, costly legal restrictions regarding the materials and methods allowed for repairs and upgrades, along with rebuild and preservation requirements that must be approved by an historical society. Learn more about Historical Homes. |
Risk Types
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PPCⓇ 9 and 10 Homes with a greater risk of fire damage that are classified as Public Protection Class (PPCⓇ) 9 or 10. |
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Older Rental Properties Homes that are 20 years or older and rented to others. Conditions vary by state. |
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Unconventional Heating Sources Homes where the primary heating source is a non-thermostatically controlled stove, such as wood, kerosene, etc. Learn more about Primary Heating Source Guidelines. |
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Out-of-Code Electrical Systems Homes with electrical systems that do not meet current codes, including knob-and-tube wiring. Learn more about Electrical System Guidelines. |
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Non-Standard Roofing Materials Rolled roofs or homes with roof materials including gravel, t-lock shingles, or asbestos. Learn more about Roof Materials. |
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On-Site Business Homes hosting a home-based business with over five monthly visitors. Homes with daycares may have limited coverage; conditions vary by state. Learn more about Home-Based Businesses. |
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Missing Handrails, Railings, or Banisters To be considered eligible, homes require handrails for more than three steps and a railing or banister for decks or steps over 36" in height. |
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.