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INSURANCE CARRIER

Steadily Landlord Insurance

Landlord and short-term rental coverage including Airbnb and VRBO for investment properties.

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RATINGS & OVERVIEW

How This Carrier Rates

AM Best

Non-Admitted (Excess & Surplus Lines)

JD Power Personal

Landlord specialty through non-admitted channels, outside the primary home study scope.

JD Power Commercial

NAIC Complaint Index

Non-admitted surplus lines carrier. Standard NAIC complaint indexing does not apply.

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.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Specialty appetite for short-term rental (Airbnb, VRBO) properties that many admitted carriers exclude

Strength 2

Fast quote-to-bind process, often within hours rather than days

Strength 3

Digital-first experience with online policy management and claims filing

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Non-admitted surplus lines status means Georgia Guaranty Fund does not apply; client assumes carrier solvency risk

Weakness 2

Claims service is competent but not suited for high-complexity losses requiring extensive adjuster involvement

Weakness 3

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.

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

Coverage Types

Landlord dwelling (DP-3), short-term rental insurance (Airbnb, VRBO), multi-family rental, vacant property

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.

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.

CLAIMS & PRICING

What to Expect

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.

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.

vs Competitors

Competes with Foremost, Stillwater, and surplus lines landlord markets. Steadily typically wins on Airbnb/VRBO specifically and on speed-to-bind. Foremost often wins on long-term rental with traditional tenants.

File a Claim

Call to report a claim:

Phone unavailable

STATE AVAILABILITY

Where They Write

States Available

Georgia and most US states as non-admitted

Personal Lines States

GA and most US states

Commercial Lines States

Do We Work With Them?

Yes (surplus lines)

Strong appetite for Georgia rental properties including metro Atlanta, North Atlanta suburbs, and college-adjacent markets. Short-term rental (Airbnb/VRBO) appetite is particularly strong in Blue Ridge, Helen, Lake Lanier, Savannah, and Tybee Island. Non-admitted status means Georgia Surplus Lines disclosure applies.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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