INSURANCE CARRIER
Steadily Landlord Insurance
Landlord and short-term rental coverage including Airbnb and VRBO for investment properties.
Personal Lines - Georgia
- File a claim 888-966-1611 · 24/7 online
- Online Account & claims portal
- After hoursFile claims online anytime at steadily.com/claims or call 1-888-966-1611.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Steadily is a specialty landlord insurance carrier focused on short-term rental and investment property coverage. They operate as a non-admitted surplus lines carrier and write landlord, STR, and vacant property policies that standard carriers typically decline. Steadily is our primary market for Airbnb, VRBO, and other short-term rental properties. Available through Olive Cover to place coverage in Georgia.
Strengths
What This Carrier Does Well
Specialty appetite for short-term rental (Airbnb, VRBO) properties that many admitted carriers exclude
Fast quote-to-bind process, often within hours rather than days
Digital-first experience with online policy management and claims filing
Limitations to Know
Where They Fall Short
Non-admitted surplus lines status means Georgia Guaranty Fund does not apply; client assumes carrier solvency risk
Claims service is competent but not suited for high-complexity losses requiring extensive adjuster involvement
Non-admitted surplus lines status means Georgia Guaranty Fund does not apply; clients must understand they are taking on carrier solvency risk that does not exist with admitted markets.
Right Fit
Who They Are Best For
Best Fit For
Georgia landlords with 1-30 rental properties, short-term rental (STR) operators including Airbnb and VRBO, investment property owners needing streamlined placement
Not a Good Fit For
Owner-occupied homeowners. Steadily is a landlord-specific insurer and does not write standard homeowners coverage for primary residences.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines - Georgia
- Coverage Types
- Landlord dwelling, short-term rental insurance (Airbnb, VRBO), multi-family rental, vacant property
- States Available
- Georgia and most US states as non-admitted
- Personal Lines States
- GA and most US states
Pricing & Claims
What to Expect
Best Pricing For
Steadily is consistently fast and competitive for landlord insurance and non-owner-occupied rental properties, particularly for investors with single-family rentals or small multi-family portfolios.
Pricing Context
Competitive pricing for landlord and short-term rental risk. Often the fastest path to coverage for Airbnb or VRBO operators where admitted markets decline.
Claims Experience
Streamlined digital-first claims process. Competitive for typical landlord losses (water damage, wind/hail, liability). Less suited for complex claim scenarios requiring heavy adjuster involvement.
Admitted Status: Non-admitted surplus lines carrier in Georgia. Steadily operates as an excess and surplus lines insurer. Georgia Guaranty Fund protections do not apply to surplus lines policies. Steadily is licensed as a surplus lines carrier through the Georgia Surplus Lines Association.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
What do we use Steadily Insurance for in Georgia?
Steadily Insurance is a non-admitted excess and surplus lines carrier specializing in landlord and short-term rental insurance.