# Openly

**Canonical:** https://apis.io/providers/openly/  
**Website:** https://openly.com/  
**APIs profiled:** 1

Openly is an independent agent home insurance platform founded in 2017 and headquartered in Boston, Massachusetts. The company provides REST APIs for generating homeowners insurance quotes, binding policies, managing endorsements, and processing renewals. Openly operates as a general agency and program administrator, enabling tech-savvy independent agencies to build custom interfaces and plug into the Openly platform on the backend. The platform leverages actuarial science, machine learning, and advanced technology to provide fully underwritten quotes in seconds, supporting primary residences, secondary and seasonal homes, and landlord (rented-to-others) policies with coverage up to $5M guaranteed replacement cost.

## Kin Score — 16.1 / 100 (emerging)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 16.1).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Insurance**: 9.1 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **Openly Quote & Bind API** — REST API enabling independent insurance agencies to generate homeowners insurance quotes, bind policies, manage endorsements, and process renewals programmatically. Agencies can...

## Security (1)

- **Openly Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Openly Plans Pricing**

## Tags

Insurance, Homeowners Insurance, Home Insurance, Quotes, Bind, Policy, Endorsement, Renewal, Insurtech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/openly/). Scores are computed from the provider's own public artifacts under a published rubric.