Rock Ridge, a member of the Clear Blue Financial group and a carrier partner of Openly, has filed its Openly Homeowner Program in Rhode Island. The filing was submitted on June 4, 2026, with a requested effective date of December 8, 2026.

The filing marks Openly’s planned entry into Rhode Island’s homeowners market and includes new policy forms, rating rules, and endorsements designed for owner-occupied homes. Among the optional coverages are earthquake protection, water backup coverage, equipment breakdown, cyber protection insurance, buried utility lines coverage, scheduled personal property, watercraft physical damage, and home-sharing host activities coverage.

The program also offers optional endorsements for lock replacement, land stabilization, loss assessment, and expanded coverage for trees, shrubs, and landscaping. Policyholders can purchase additional protection for risks such as water backup, equipment breakdown, and cyber-related losses.

Dwelling losses are settled at replacement cost, capped at $5 million. The filing includes a separate Rhode Island hurricane deductible endorsement and an endorsement that limits loss settlement for certain windstorm or hail damage to roof surfacing.

The program also contains exclusions for flood, earth movement, long-term water seepage, fungi, cosmetic marring from hail on metal roofing materials, and losses involving cannabis or virtual currency under personal property coverage.

Openly, headquartered in Boston, distributes homeowners insurance through independent agents and partners with carrier affiliates to underwrite its programs across the U.S. Rhode Island would become another state in the company’s expanding footprint, subject to regulatory approval.