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We reinvented home insurance to give you the power of choice.

Our Insurance

In the past, literally no one felt empowered when buying home insurance.

Remember how excited you were to buy your home? To start building your life? And then finding out how expensive home insurance coverage would be? Well, we didn’t like that either. So we switched things up!

Now you can choose the exact coverage you want, just like you chose your perfect home. And now, your smart lifestyle choices can shrink your premium. Essentially, you build a policy that works for you instead of the other way around.

We know. We were there.

Behind OpenHouse is a team that spent decades working in the traditional insurance industry. After years on the inside, we realized things could be better for homeowners. You don’t have to wait on an agent. You can get insured online. You can have more options with the right guidance.

Thus, OpenHouse: a modern home insurance experience that offers customizability and rewards no other provider can. (Really, it took years to discover all the ways we could help
you save, and our process is patented.)

Now we’re trusted with billions, and people are in control.

OpenHouse is a new way to buy home insurance backed by decades of experience. First Protective Insurance Company underwrites (assesses and financially supports) our policies and has insured homeowners for over 25 years. They also have an A (Exceptional) Financial Stability Rating® from Demotech.

Basically, our insurance is as solid as it comes, and it helps when you need it most. Currently, we’ve paid over $3 billion in claims for homeowners just like you. And though we cover select single-family homes in Florida, we plan to roll out smart home insurance in more states soon.

We’re the only provider of our kind for a reason.

Our Insurance
Forward-Thinking

Forward-Thinking

Technology is advancing fast, and your insurance should evolve with it. Ours does, and we’re one of the first to take full advantage of the benefits, like pre-filled answers, quote customization tools and digital self-inspections.

People-Focused

People-Focused

As the one who’s insured, your policy should center around you. It’s why we lower your premium when you take care of yourself and your home. All you have to do is select the applicable rewards when building your policy.

For Less

For Less

At the end of the day, our efforts don’t matter unless you save. Fortunately, we’ve made it easy to do. Our unique rewards go a long way, but the freedom to customize every part of your policy for greater savings takes the cake.

Our Insurance

Build your policy
in minutes.

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