Steadily Overview
Steadily is a landlord insurance company built from the ground up exclusively for landlords and real estate investors. Unlike traditional insurance companies that treat rental property coverage as a secondary product, Steadily has designed every aspect of their platform around the investor experience. From instant quoting to policy binding in minutes, their entire workflow is optimized for people who own income-producing real estate.
What makes Steadily stand out is their singular focus on the landlord market. They understand the unique risks and coverage needs of rental property owners, including vacancy periods, tenant-caused damage, loss of rental income, and liability exposure from tenants and visitors. This specialization translates into more relevant coverage options, faster service, and a team that speaks the language of real estate investing.
Steadily has earned strong third-party validation, including a 4.3-star rating on Trustpilot, a 4.5-star rating from USA Today, and recognition by CNBC as one of the best landlord insurance providers for 2026. They operate in all 50 states and cover an exceptionally wide range of property types.
Coverage Options
Steadily offers comprehensive landlord insurance coverage designed specifically for investment properties. Their policies protect against the most common risks landlords face, from physical property damage to liability claims.
- Dwelling coverage: Protects the physical structure of your rental property against covered perils including fire, lightning, windstorm, hail, and explosion.
- Fire and lightning: Full replacement cost coverage for fire damage, which is the leading cause of catastrophic property loss.
- Storm and hail damage: Protection against wind, hail, and severe weather events that can damage roofs, siding, and structural components.
- Water damage: Coverage for sudden and accidental water damage from burst pipes, appliance malfunctions, and plumbing failures.
- Vandalism and theft: Protection against malicious damage and theft, which are higher risks for rental and vacant properties.
- Liability coverage: Up to $1 million or more in liability protection if a tenant, guest, or visitor is injured on your property.
- Loss of rent: Reimburses lost rental income if your property becomes uninhabitable due to a covered event.
Property Types Covered
One of Steadily's biggest advantages is the breadth of property types they insure. Many traditional carriers have strict limitations on what types of investment properties they will cover.
- Single-family rental homes (SFR)
- Multi-family properties (duplexes, triplexes, fourplexes, and small apartments)
- Condominiums and townhomes used as rentals
- Accessory dwelling units (ADUs) and in-law suites
- Mobile homes and manufactured housing
- Short-term rentals (Airbnb, VRBO, vacation rentals)
- Fix-and-flip properties during renovation
- Vacant properties between tenants
Rates and Pricing
Steadily works with multiple insurance carrier partners to shop your policy and find the most competitive premium. Because they are not tied to a single carrier, they can compare rates across their network and present you with the best option for your specific property and situation.
Landlord insurance premiums are generally 15-25% higher than standard homeowners insurance, reflecting the additional risks associated with rental properties (higher liability exposure, potential vacancy, tenant-caused damage). However, Steadily's multi-carrier model helps minimize this cost difference by ensuring you get the most competitive available rate.
Quotes are generated in under 60 seconds online. There is no need to call an agent, wait for a callback, or schedule an appointment. You enter your property details and get an instant quote with coverage options and premium amounts displayed clearly.
Pros
- Built exclusively for landlords and real estate investors — not a general consumer product
- Quotes in under 60 seconds with a fully digital experience
- Available in all 50 states with coverage for virtually every investment property type
- Multi-carrier model shops your policy for the best available rate
- Covers hard-to-insure properties: STRs, vacant properties, fix-and-flips, mobile homes, ADUs
- Landlord Hub with free forms, templates, and resources for property management
- 4.3-star Trustpilot rating, 4.5-star USA Today rating, CNBC Best of 2026
Cons
- Premiums may not always beat a local independent agent with deep niche carrier relationships
- Claims are handled by underlying carriers, not Steadily directly
- Limited coverage for large commercial properties (5+ units may have fewer options)
- No bundling discounts with auto or other personal insurance lines
Who Is Steadily Best For?
Steadily is the ideal choice for real estate investors who want fast, hassle-free landlord insurance from a company that actually understands rental property investing. If you are scaling a portfolio and need to insure new acquisitions quickly, Steadily's instant quoting and fast binding keep your closing timeline on track.
They are especially valuable for investors with non-standard properties — short-term rentals, vacant properties, fix-and-flip projects, ADUs, and mobile homes. Many traditional carriers either refuse these property types or charge exorbitant premiums. Steadily has built their product around exactly these scenarios.
Investors managing multiple properties across different states also benefit from Steadily's nationwide coverage and single-account dashboard that keeps all policies organized in one place.
How to Get a Quote
Visit Steadily's website and enter your property details. You will receive a quote in under 60 seconds with clear coverage options and premium amounts. If you choose to proceed, you can bind the policy online in minutes and receive proof of insurance immediately.
For investors with multiple properties, Steadily offers portfolio quoting that lets you insure several properties in a single session. Their Landlord Hub also provides free lease agreements, move-in/move-out checklists, and other property management resources that complement your insurance coverage.