Coverage Details

Standard Coverage

• Where Can I View Property Details & Coverage Information?
• What is Total Insured Value (TIV)?
• What Are the Benefits of Guaranteed Replacement Cost?
• What is the Replacement Cost Estimate (RCE)?
• What is Involved With Covering the Main Dwelling (Coverage A)?
• What is Other Structures Coverage (Coverage B)?

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Sub-Limits, Blanket and Scheduled Items

• What Are Openly’s Coverage C Sub-Limits?
• What is Scheduled Items Coverage?
• What is Blanket Contents Coverage?
• What Coverage is Available for Bourbon and Other Spirits?

Perils

• What is the Windstorm and Hail Exclusion?
• What is the Hurricane Deductible?
• How Does Openly Handle Wind / Hail Roof Settlement?
• Does Openly Offer Earthquake Coverage?
• What is the Wind / Hail Deductible?
• What is the Standard Peril Deductible?

Optional Coverage

• What Coverages Does Openly Offer For Watercraft?
• What is Equipment Breakdown Coverage?
• What is Buried Service Lines Coverage?
• What is Under Construction Coverage?
• What is Personal Cyber?
• What is Water Backup Coverage?

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Other Coverage Questions

• Does Openly Cover Damage From Fungi, Rot, or Bacteria?
• How Does Vacancy Affect Coverage?
• What is Lead Poisoning Coverage?
• What Coverages Does Openly Offer Specific to Massachusetts?
• Does Openly Provide Coverage for Motorized Vehicles? What About E-Bikes?