Openly Customer Service, Claims, and Bill Pay Contacts

Contact directory

Openly phone numbers and official links

Start with the table below. Each row shows a phone number or official link we found on Openly's own website, plus what it's for. Tap a number to call from your phone.

Common reasons to contact Openly

• Report storm, fire, water, theft, or liability damage
• Check on an open claim or an adjuster visit
• Make a payment or update your mortgage company
• Change coverage limits or deductibles
• Request a declarations page or proof of insurance
• Ask about endorsements such as water backup

Tips for a faster call

Have your Openly policy number and the named insured's details ready before you call. Write down the date, the name of the person you speak with, and any reference or claim number they give you. If you're calling about a claim, ask what the next step is, how long it usually takes, and how you'll get updates. If you're calling about a bill, ask for the amount due, the due date, and whether your last payment has posted.

If you'd rather not wait on hold, check whether Openly offers the same service online or in an app. Many policy changes, ID card requests, and payments can be handled without a call.

Claims

How to file and track a Openly claim

Openly provides two stated ways to report a claim. You can use the online form at fnol.openly.com, or call 1-888-808-4842 (toll-free). The claim reporting page lists hours of Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Time, and Saturday from 9:00 a.m. to 4:00 p.m. Eastern Time.

When you report a claim, keep your policy information, contact details, loss date, location, and a short description of what happened ready. Save any confirmation details after submitting the online form or speaking with a representative. For follow-up, use the contact information in your policy documents and refer to your claim number if one was provided.

Before you report a claim

• Stay safe first. Leave the home if it isn't safe, and call 911 or the utility company for fires, gas leaks, or downed lines.
• Prevent more damage. The Insurance Information Institute (III) suggests making temporary repairs you can do safely, such as covering a broken window or roof, and keeping the receipts.
• Document everything. Photograph the damage if it's safe, and make a detailed list of damaged or lost items.
• Report it promptly. Call Openly or use its online claim tool, and have your policy number ready.
• Track extra costs. If you can't stay in your home, the III recommends keeping hotel, meal, and other expense receipts.

What happens after you file

After you report a claim, Openly assigns an adjuster who may inspect the damage in person or ask for photos and estimates. The III suggests getting a written estimate for permanent repairs from a licensed contractor. Your deductible is usually subtracted from a covered payment, and if you have a mortgage, the check may include your lender.

If you disagree with a decision, ask Openly for a written explanation and try to resolve it with the company. If you still can't, you can contact your state insurance department. Flood damage is usually excluded from standard home policies and needs separate flood coverage.

Billing

How to pay your Openly bill

For payment instructions, review your policy documents, billing statement, declarations page, or account materials. These documents may identify online payment, phone payment, mail payment, autopay, or other available options. After making a payment, keep the confirmation and check your account or next statement to confirm that it posted. Do not use the claim reporting form for a billing request unless Openly directs you to do so.

Whichever method you choose, save your billing statements and payment confirmations until the policy term ends. If you change banks or cards, update your payment details with Openly before the next draft date so a payment doesn't fail.

Tips for paying safely

• Use official channels only. Pay through Openly's website, app, or the number on your statement, or through your agent.
• Check the web address before you enter card or bank details, and be wary of payment links sent by text or email.
• Keep your confirmation number for every payment.
• Ask about autopay or paid-in-full options. Some companies offer them.
• Act quickly on a late notice. Grace periods vary by company and state, and a missed payment can lead to cancellation.

Company background

About Openly

Openly says it was founded in 2017 and is headquartered in Boston, Massachusetts. Its website describes home insurance that can include guaranteed replacement cost coverage up to $5 million, liability coverage up to $1 million, blanket personal-property category coverage up to $100,000, water backup coverage, equipment breakdown coverage, and other customizable options. The company also describes premium insurance and comprehensive coverage.

Openly states that it is available in 24 states. Its homepage explicitly lists Alabama, Arizona, Illinois, Missouri, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, and Wisconsin. Its legal disclosures identify Rock Ridge Insurance Company through Clear Blue Insurance Group and MS Transverse Insurance Company through MS & AD Insurance Group as underwriting companies. The disclosures describe primary, secondary, and rent-to-others homeowners insurance policies.

Your agent

How Blake Insurance Group can help Openly customers

As an independent agency, we can help you reach the right Openly department, explain what your policy covers, and follow up if a claim or billing issue stalls. Openly makes the claim decision and issues payment, but we can help you prepare and ask the right questions.

After a loss is also a smart time to review your limits and deductibles. Learn more about homeowners insurance, flood insurance, and renters insurance.

Take the next step

Need help reaching Openly?

Call us and have this ready so we can help quickly.

• Your Openly policy number.
• Your claim number, if you've already reported the claim.
• The date and a short description of what happened.
• Your most recent billing statement, if the question is about a payment.
• The best phone number and time to reach you.

Shopping for coverage or want a second opinion? Our licensed agents compare options from multiple companies. Office hours are Monday to Friday, 9:00 to 5:00.

Common questions

Frequently asked questions

Keep researching

Related guides and official sources

These Blake Insurance Group pages can help with related questions.

We checked the contact details on this page against Openly's websites and these consumer sources in September 2026:

• Openly: About us (external site)
• Openly: Legal disclosures (external site)
• Openly: Official website (external site)
• Openly: Official website (external site)
• Insurance Information Institute: Tips for filing a claim (external site)
• NAIC: Insurance fraud (external site)
• NAIC: Consumer resources and state insurance departments (external site)

Contact information disclosure: Blake Insurance Group LLC is an independent insurance agency. We are not Openly, and this page is not operated by or affiliated with Openly. We gathered the phone numbers and links on this page from Openly's own public websites in September 2026 so policyholders can reach the company quickly. Numbers, hours, and options can change and can differ by state, product, and policy, so confirm them on your policy documents. Claims decisions, payments, and billing are handled by the insurance company under your policy. Company names are used for identification only, and links to other websites are provided for convenience. Your policy documents control your coverage.