Openly writes homeowners coverage only. Elite Risk Advisors is an independent insurance agency in Owensboro, Kentucky, and we place Openly home policies for clients across Owensboro, Daviess County, and Western Kentucky.
Openly’s primary form for owner-occupied homes, plus secondary and seasonal properties.
HO-3 or Modified HO-3 coverage for homes rented to others, subject to property-age eligibility.
Guaranteed replacement cost is available on eligible Kentucky homes, subject to underwriting and policy terms.
Coverage for deterioration, rot, and hidden seepage from plumbing, heating, or cooling leaks, up to the policy limit.
Removal and remediation coverage, plus additional liability coverage for mold-related claims, subject to policy limits.
Extended coverage for homes listed on short-term rental platforms, which many homeowners policies exclude.
Openly needs very little to produce a quote. A name, an address, and a date of birth are usually enough, which means you can get a real number quickly.
There is a tradeoff, and we would rather tell you now than after. Openly quotes easily and underwrites carefully. A quote is not a bind. Some homes that receive an attractive quote are not ultimately approved once underwriting reviews the property. We screen your home against Openly's eligibility before we submit anything, and we tell you honestly where we think it stands.
Openly writes home coverage only. There is no auto product, so an Openly policy will not combine with a vehicle policy.
Mobile and manufactured homes are not eligible.
Before we were insurance agents, we spent more than 30 combined years teaching in Owensboro and Daviess County classrooms. We explain what a policy does before we ask you to buy it.
Because we are independent, we can look at more than one market for your home and tell you plainly what each one will and will not do.
We serve Owensboro, Daviess County, and Western Kentucky from 111 W. 3rd Street, Suite 2.
We are a local agency, and that is not a tagline. Our office is at 111 W. 3rd Street, Suite 2 in downtown Owensboro, and we work with households and businesses across Daviess County and the surrounding Western Kentucky counties.
Local matters in insurance more than people expect. Roof age and hail exposure, whether a property sits over historic mining, how a Green River or Ohio River flood zone is drawn, what a rebuild actually costs in this market — these are the details that decide whether a policy holds up. An agent three states away is working from a map. We are working from the same streets you drive.
It also means you can come see us. Plenty of our clients handle everything by phone or text, and that is fine. But if you would rather sit down with the declarations page in front of you and have someone walk you through it line by line, that option is open.
You give us your information once. We do not make you repeat it for each company.
From there we look at which of the carriers we represent can write your risk, and we come back to you with what we found and what we would recommend. If there is a coverage gap in what you have now, we will point it out whether or not it changes the price. If your current coverage is already the right answer, we will tell you that, too.
The fastest path is a current declarations page, because it shows us exactly what you have today rather than what you remember buying. You can send it by email, drop it by the office, or upload it with your quote request. Most quotes take about ten minutes of your time.
No. Openly is a homeowners-only carrier. If you want a vehicle policy as well, we will place that through another market we represent.
Openly policies are issued through admitted carrier partners. Your declarations page names the issuing company and its rating.
Openly draws property data itself rather than asking you a long list of questions. Full underwriting happens afterward, which is why a fast quote is not a guarantee of coverage.
Not necessarily. Openly quotes easily and binds selectively. We pre-screen the property and tell you honestly what we expect.
Extended coverage for home-sharing platforms is available. Tell us how the property is used so we can confirm eligibility and terms.
Send us your address and we can usually have a home number back to you quickly.
Start my quoteOr call 270-225-4445Openly is represented by Elite Risk Advisors. Call 270-225-4445 for a free quote.
Elite Risk Advisors is an independent insurance agency in Owensboro, Kentucky. We are not owned by, and we do not speak for, any insurance company. Coverage is subject to underwriting approval and to the terms of the issued policy.
Rates are quoted based on underwriting criteria, location, and individual risk factors. Contact your agent for a quote specific to your situation.
Coverage provided is subject to policy terms, conditions, and the underwriting approval process. Not all claims may be covered. Review your policy for details.
