Openly has filed revisions to its Tennessee Homeowner Program, underwritten by Rock Ridge Insurance Company, a Clear Blue subsidiary. The filing was submitted on September 4, 2025 and takes effect on October 22, 2025 for new business and December 22, 2025 for renewals.

The changes are rate neutral and impact 7,403 policyholders with approximately $23.4 million in written premium.

Updates include clerical revisions to rules and forms, adjustments to loss settlement terms, and a new requirement that wind and hail claims be reported within one year. The endorsement also introduces new coverages such as land stabilization, lock replacement, and additional protections for trees, shrubs, and plants.

This follows Openly’s most recent 18.4% rate increase in Tennessee, effective October 2024.