Protect Your Rental
Property Investment
Specialized insurance for landlords and short-term rental hosts. Get covered in minutes with policies designed for real estate investors.
Disclosure: We may earn a commission if you purchase insurance through these partners. This helps keep our calculator free.
Steadily
Specialized landlord insurance designed specifically for rental property investors. Get covered in minutes with flexible, affordable policies.
Coverage Includes:
Proper Insurance
The leading insurance provider for short-term rental hosts. Specialized coverage for Airbnb, VRBO, and vacation rental properties.
Coverage Includes:
Why Rental Property Insurance Matters
❌ Homeowners Insurance Won't Cover It
Standard homeowners policies exclude rental activity. If a tenant causes damage or someone gets injured, you could be personally liable without proper landlord insurance.
🛡️ Protect Your Income
Loss of rental income coverage keeps you financially stable if your property becomes uninhabitable due to covered damages. Don't lose months of income.
⚖️ Liability Protection
If someone gets injured on your rental property, liability coverage protects your personal assets from lawsuits and medical claims.
💰 Lender Requirements
Most lenders require landlord insurance for rental properties. Get the right coverage to satisfy lender requirements and close your deals faster.
Long-Term vs Short-Term Rental Insurance
| Coverage Type | Steadily (Long-Term) | Proper (Short-Term) |
|---|---|---|
| Property Damage | ||
| Liability Coverage | ||
| Loss of Rental Income | ||
| Guest Damage Coverage | — | |
| STR Platform Approved | — | |
| Traditional Tenants | — | |
| Average Monthly Cost | $50-150 | $75-200 |
💡 Pro Tip:
If you're doing both long-term and short-term rentals, you may need different policies for different properties. Some investors keep both Steadily and Proper coverage active depending on their rental strategy.
Common Insurance Questions
Do I need landlord insurance if I have homeowners insurance?
Yes. Homeowners insurance typically excludes rental activity. If you're renting out a property, you need specialized landlord or rental property insurance to be properly covered.
What's the difference between landlord insurance and homeowners insurance?
Landlord insurance covers rental activity, tenant-caused damage, loss of rental income, and liability from tenant injuries. Homeowners insurance is designed for owner-occupied homes only.
Does my tenant's renters insurance cover my property?
No. Your tenant's renters insurance only covers their personal belongings and their liability. You need landlord insurance to protect the building structure and your rental business.
Can I get insurance for Airbnb properties?
Yes, but you need specialized short-term rental insurance like Proper. Traditional landlord policies often exclude short-term rental activity. Airbnb's host protection is supplemental, not primary insurance.
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