INSURANCE CARRIER
Steadily Landlord Insurance
Steadily is a specialty landlord insurance carrier focused on short-term rental and investment property coverage.
Personal Lines
- 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 landlord and short-term-rental coverage.
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 the state 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 the state 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
Rental and landlord properties, or a home the standard market declines -- a non-admitted / surplus-lines market (not backed by a state guaranty association).
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
- Coverage Types
- Landlord dwelling, short-term rental insurance (Airbnb, VRBO), multi-family rental, vacant property
- Carrier's Licensed States
- 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, such as water damage, wind and hail, and liability. Less suited for complex claim scenarios requiring heavy adjuster involvement. Admitted Status: Non-admitted, surplus-lines carrier. Guaranty-fund protections do NOT apply to surplus-lines policies, and a surplus-lines disclosure applies (rules vary by state). 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. Verify this carrier's license with the Georgia OCI
Admitted Status: Non-admitted, surplus-lines carrier. Guaranty-fund protections do NOT apply to surplus-lines policies, and a surplus-lines disclosure applies (rules vary by state).
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.