Openly API
Openly is a technology-driven homeowners insurance provider that distributes customizable HO-5 and HO-3 policies through a network of independent agents, with 15-second quoting, online binding, and digital claims. An unofficial API lets you programmatically pull quotes, policies, billing, and claims—and push new applications, endorsements, and first notices of loss back into Openly without manual portal work.
What is Openly?
Openly is a technology-driven homeowners insurance provider that distributes customizable policies exclusively through independent agents. Built by agents for agents, Openly uses real-time data and advanced technology to underwrite risk and return a bindable quote in as little as 15 seconds from just a name, date of birth, and address. Agents quote, bind, and service policies through Openly's portal, while homeowners get guaranteed replacement cost coverage and blanket personal property limits.
Core product areas include:
- HO-5 homeowners coverage with guaranteed replacement cost up to $5M and liability up to $1M
- HO-3 landlord insurance for rental properties (property, liability, loss of rental income)
- Optional coverages: blanket personal property (up to $100K), water backup, and equipment breakdown
- Agent portal for 15-second quoting, online binding, and policy servicing
- Digital first-notice-of-loss claims intake and agency-supported claims resolution
Common data entities:
- Quotes, Applications, Coverages, Risk Addresses
- Policies, Endorsements, Renewals, Cancellations
- Billing Accounts, Invoices, Payments, Commissions
- Claims, First Notice of Loss, Documents
- Agents, Agencies, Insureds, Policyholders
The Openly Integration Challenge
Agencies run Openly quoting and servicing through a portal built for speed, but turning those portal-driven workflows into API-driven automation is non-trivial:
- Agent-portal-first access: Quoting, binding, and servicing happen through Openly's web portal, with no general-purpose public developer API published for agencies
- Appointed-agent gating: Access requires an Openly agency appointment, so integrations must authenticate as an authorized producer rather than an open API key
- State-by-state availability: Openly operates in a growing list of states, and product forms, rating, and eligibility vary by jurisdiction
- Split surfaces: Quoting flows through agency partner front-ends while claims FNOL lives on a separate intake surface, fragmenting the data
- Session and MFA handling: Carrier-grade authentication and session expiry complicate headless, always-on automation
- Document workflows: Policy documents, dec pages, and claim correspondence require careful download and template handling
How Supergood Creates Openly APIs
Supergood reverse-engineers Openly's authenticated agent-portal flows to deliver a resilient, normalized API layer for your appointed agency—covering quoting, binding, billing, and claims without waiting on a public developer program.
- Handles username/password and MFA (SMS, email, TOTP) securely under your agency appointment
- Maintains session continuity with automated refresh and change detection
- Normalizes responses across quotes, policies, billing, and claims so you integrate once against consistent objects
- Respects state-by-state product availability, rating, and eligibility rules per jurisdiction
Use Openly with AI agents: Openly MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your agency appointment, states, and authentication model.
- Supergood Generates and Validates Your API
We deliver a production-ready Openly adapter tailored to your appointment and product mix.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Openly evolves.
API Endpoints
Authentication
/authenticateAuthenticate as an appointed Openly agent using username/password or MFA and obtain a session token for downstream calls.
Quoting
/create_quoteGenerate a homeowners quote from name, date of birth, and risk address, returning bindable HO-5 or HO-3 options.
Policies
/policiesList policies for your agency with filters for product, state, status, and effective date range.
Policies
/bind_policyBind a quoted application into an in-force policy under your agency appointment.
Billing
/billingRetrieve billing accounts, invoices, payments, and commission activity for your agency's book.
Claims
/file_claimFile a first notice of loss against an existing policy with loss details, parties, and supporting documents.
Use Cases
Automate quoting and binding for homeowners
- Generate HO-5 and HO-3 quotes from minimal applicant data without portal clicks - Compare bindable options and push the chosen coverage straight to bind - Write issued policy numbers and dec pages back into your AMS
Sync policy and billing data into your stack
- Pull active policies, endorsements, and renewals into a single warehouse - Reconcile invoices, payments, and commissions against your accounting system - Surface cancellation-pending and delinquency events to retention workflows
Streamline claims intake and tracking
- Submit first notice of loss programmatically and attach supporting documents - Pull claim status and correspondence into CRM and customer-experience tools - Notify policyholders automatically as claims progress
Keep agency and producer data in sync
- Pull agency book, producer assignments, and appointment status into downstream systems - Match commissions and chargebacks against compensation reporting - Trigger workflows when policies or agency hierarchy change
Technical Specifications
Authentication
Username/password and MFA (SMS, email, TOTP) handled in a managed session under your agency appointment
Connectivity
Authenticated agent-portal flows reverse-engineered into a stable REST surface
Response format
Normalized JSON across Quote, Policy, Billing, and Claims objects
Rate limits
Adaptive throttling tuned to your agency to avoid carrier-side limits
Session management
Automatic session refresh, MFA replay handling, and credential rotation
Data freshness
Near real-time pulls for quotes, policies, and claims with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for quote, bind, endorsement, claim status, and billing changes
Latency
Sub-second reads on cached entities; multi-second writes when quoting and binding
Throughput
Horizontally scaled workers sized to your agency's quoting and policy volume
Reliability
Retry, backoff, and idempotency keys for bind, endorsement, and claim transactions
Adaptation
Continuous monitoring of Openly portal changes, product updates, and state availability
Frequently asked questions
Openly's quoting, binding, and servicing are delivered through its agent portal, and there is no general-purpose public developer API published for agencies. Supergood builds a resilient API layer on top of your authenticated agent access so you can automate without a public program.
Yes. Access runs under your existing appointed-agent credentials and entitlements. Supergood authenticates as an authorized producer rather than relying on an open API key.
Yes. Quoting and policy endpoints normalize across Openly's HO-5 homeowners and HO-3 landlord products, so you integrate once across both books.
Openly operates in a growing set of states with product forms, rating, and eligibility that vary by jurisdiction. Supergood respects per-state availability and rules rather than forcing a single generic schema.
Yes. Supergood can submit a first notice of loss against an existing policy, attach supporting documents, and pull claim status and correspondence into your downstream systems.