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Insurance · head to head

Openly vs Pie Insurance

Openly logo

Openly

Insurance

Customizable homeowners insurance sold only through independent agents

From
On request
Rated
-
Full reviewWebsite
Pie Insurance logo

Pie Insurance

Insurance

Small business workers compensation and commercial insurance sold by online quote

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Openly available in only 24 states as of August 2026, with Nevada still listed as coming soon; Pie Insurance no pricing published on website; custom quotes required based on coverage needs
  • Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which Openly and Pie Insurance actually diverge.

Attributes where Openly and Pie Insurance differ
AttributeOpenlyPie Insurance

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web), user rating (Not yet rated), category (Insurance).

What people use each for

The jobs each tool is most often brought in to do.

Openly

  • Getting home insurance quotes with guaranteed replacement cost coveragenot Pie Insurance
  • Customizing homeowners insurance policies with specific coverage limitsnot Pie Insurance
  • Filing and managing property damage claims through digital workflowsnot Pie Insurance
  • Accessing insurance coverage across multiple US states through independent agentsnot Pie Insurance

Pie Insurance

  • Workers compensation insurancenot Openly
  • Business liability coveragenot Openly
  • Commercial property insurancenot Openly

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Openly

  • Available in only 24 states as of August 2026, with Nevada still listed as coming soon
  • Policies are not sold directly to consumers; coverage must be obtained through an independent agent, as of August 2026

Pie Insurance

  • No pricing published on website; custom quotes required based on coverage needs
  • Savings claims (up to 30%) vary by individual quote and are unavailable for Workers' Compensation policies in Wisconsin
  • Discounts and pricing vary among insurers underwriting specific policy types

Pricing, plan by plan

Openly

On request

No published plan breakdown. See the Openly review.

Pie Insurance

On request

No published plan breakdown. See the Pie Insurance review.

Which should you pick?

Choose Openly if

Nothing in the data separates Openly from Pie Insurance on the points above - pick on price and on how each one feels to use.

Openly review

Choose Pie Insurance if

Nothing in the data separates Pie Insurance from Openly on the points above - pick on price and on how each one feels to use.

Pie Insurance review

Questions people ask

Is Openly or Pie Insurance better?
Neither clearly leads. Openly starts at On request and Pie Insurance at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Openly or Pie Insurance?
Openly starts at On request and Pie Insurance at On request.
Does Openly or Pie Insurance run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Openly best used for?
Openly is most often used for getting home insurance quotes with guaranteed replacement cost coverage, customizing homeowners insurance policies with specific coverage limits, filing and managing property damage claims through digital workflows, accessing insurance coverage across multiple us states through independent agents. Of those, getting home insurance quotes with guaranteed replacement cost coverage and customizing homeowners insurance policies with specific coverage limits are not what Pie Insurance is typically brought in for.

Answered from the vendors’ own pages

Openly: How much does Openly cost?

Openly does not publish pricing on its website. The company operates through independent agency partners who provide customized quotes. To obtain coverage pricing, customers must contact a local independent agent or request a quote through mylifeprotected.com/openly.

Source
Pie Insurance: How much does Pie insurance cost?

Pie Insurance does not publish specific pricing on its website. Customers must request a personalized quote through their online portal to receive pricing, which takes approximately 3 minutes.

Source
Openly: What is Openly's pricing model?

Openly uses a partnership model rather than direct sales. Insurance policies are sold through independent agency partners, with pricing determined on a case-by-case basis through customized quotes.

Source
Pie Insurance: How does Pie Insurance determine pricing?

Pie uses data-driven insurance technology to ensure competitive pricing. Individual quotes and coverage determinations are made on a case-by-case basis after customers provide business information.

Source
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