--- title: "Steadily Insurance Review [Updated 2026]" description: "Steadily provides dedicated landlord insurance for investment property owners who want a tech-focused quoting experience, and specialized DP-1 and DP-3 policies made for rentals." canonical: "https://www.coveragecat.com/reviews/steadily-insurance-review" last-updated: "2026-08-13" --- # Steadily Insurance Review [Updated 2026] 1. [Introduction to Steadily Insurance](#introduction) 2. [What Kinds of Insurance Does Steadily Offer?](#kindsofinsurance) 3. [How Does Steadily Insurance Work?](#howdoesitwork) 4. [Pros and Cons of Steadily Insurance](#proscons) 5. [Ratings and Customer Feedback for Steadily Insurance](#ratings) 6. [Get Customer Support Or File A Claim For Steadily Insurance](#customersupport) 7. [Frequently Asked Questions](#faq) ### Introduction to Steadily Steadily is an insurance company focused on landlords who own short‑ and long‑term rental properties, including homeshares, ADUs, vacation rentals (Airbnb/VRBO), and padsplits. Headquartered in Austin, Texas, Steadily operates in all 50 U.S. states. [Quotes are generated in seconds via its mobile app](https://www.steadily.com/partners): once a user enters a property address, Steadily auto-populates construction data via public property records, (e.g., property size, construction year), and policies can be finalized via text. Founded in [2020 by Darren Nix, Datha Santomieri, and David Tulig](https://pitchbook.com/profiles/company/443093-32#team), Steadily is designed to help "mom‑and‑pop" landlords managing 1–4 properties, though its platform can handle portfolios with hundreds of units in minutes. The company has grown quickly since launching: in 2025, [Steadily ranked No. 63 on the Inc. 5000 list of America's fastest-growing private companies with 4,606% three-year revenue growth](https://www.steadily.com/press/inc-5000) and reports over $300 million in annualized gross written premium. In certain states, Steadily quotes can be purchased directly through the Steadily app or via brokers such as Coverage Cat. Steadily operates both as a direct carrier (Steadily Insurance Company) and through five MGA programs that connect customers to admitted and non-admitted (surplus lines) carriers. ### What Kinds of Insurance Does Steadily Offer? Steadily offers [landlord insurance](https://www.steadily.com/blog/what-does-landlord-insurance-cover) (DP 1 & DP3) which provides dwelling coverage for damages from water, fire, windstorm, wind, hail, and lightning, as well as other natural disasters. A DP1 policy typically protects against perils listed in the policy, while a DP3 protects against all perils except those specifically excluded in the policy. In addition to standard coverages, Steadily offers add-ons such as [bed bug coverage or limited coverage for the landlord's boats or bicycles that a tenant may use off premises](https://www.youtube.com/watch?v=ec8HegINlKE). Landlord policies may also cover loss of income in case the landlord loses the ability to rent a property because it was damaged. Steadily will insure [individual property owners, LLC's, trusts, corporations and partnerships](https://www.steadily.com/agents). According to [(Steadily, "Landlord Insurance Coverage for Legal Liability", 2026)](https://www.steadily.com/landlord-coverages/liability), standard policies include liability coverage options from $100,000 up to $1 million or more. Enhanced options include personal injury coverage for discrimination claims and lead paint liability, with umbrella policies available for catastrophic protection when claims exceed base limits. **Builder's Risk** Covers damage during repairs or remodeling phases, including fire, theft, explosions, vandalism, and other construction‑site perils. **Liability Insurance** All landlord policies include liability protection for tenant or guest injuries and associated legal or medical expenses. **Property Coverage Scope** Steadily insures various property types, including single‑family homes, multi-family homes, condos, mobile/tiny homes, accessory dwelling units (ADUs), and small apartment buildings. Steadily also accepts short-term and long-term rentals, rentals with seasonal or primary owner exposure, and even fix and flip properties. According to [(Construction Coverage, "Best Landlord Insurance Companies (2026)", 2026)](https://constructioncoverage.com/landlord-insurance), standard policies cover up to 20 locations per policy and up to 40 locations per individual, which makes Steadily a viable choice for landlords managing small to mid-size portfolios. ### Does Steadily Sell Auto Insurance? No. Steadily does not sell auto insurance. It specializes in landlord insurance. ### Does Steadily Sell Homeowners Insurance? No, Steadily does not sell traditional homeowners insurance for primary homes. Steadily sells landlord insurance, which is a special type of home insurance for people who own and rent out residential properties, whether they are single-family, short-term and seasonal, or tiny homes. Steadily also insures accessory dwelling units (ADUs), and padsplits in which a landlord rents up to four rooms in a dwelling on a single occupancy basis. ### Does Steadily Sell Liability Insurance? Yes, landlord insurance automatically includes some liability insurance, which covers legal fees and medical expenses in the event that a tenant or a guest is injured at the rental property for a covered loss and sues for damages. ### How Does Steadily Insurance Work? Steadily focuses on automating both policy quotations and claims handling. The company has integrated with more than 400 property technology platforms including Roofstock, TurboTenant, and BiggerPockets, [(Steadily, "Steadily Secures $30M Series C to Fuel Rapid Growth in Landlord Insurance Market", 2025)](https://www.steadily.com/press/steadily-30m-series-c) which means landlords can generate quotes and bind coverage directly from the software they already use to manage their properties. In February 2024, [Steadily partnered with Snapsheet](https://www.snapsheetclaims.com/steadily-insurance-chooses-snapsheet-for-superior-claims-experience/) to streamline claims processing via digital automation. This partnership allows Steadily to handle claims in-house with improved efficiency, according to Max McClure, the company's Chief Insurance Officer. Because Steadily operates as both an MGA and a direct carrier, it can offer admitted policies (regulated by state insurance departments with guaranteed claim payment from state guaranty funds) and non-admitted surplus lines policies (which offer more flexibility for hard-to-insure properties but lack state guaranty protection). According to [(Real Estate Skills, "Steadily Insurance Review (2026): Legit or Risky?", 2026)](https://www.realestateskills.com/blog/steadily-insurance-reviews), some customers report receiving initial quotes that are later adjusted upward after human underwriters review risk factors the algorithm missed, which can be frustrating but reflects a balance between speed and accuracy. ## Pros and Cons of Steadily

Pros

Cons

### Steadily Insurance Customer Reviews | Source | Rating & Count | Representative Quote | |------------------------------------------------------------------------------------------------------------------------|------------------------------|---------------------------------------------------------------------------------------------------------------------------------------| | [**Yelp**](https://www.yelp.com/biz/steadily-austin-3) | ★★★★☆ 3.5 (24 reviews) | "Very easy to deal with. Agent was very helpful and prompt with response to all my questions and concerns." | | [**Trustpilot**](https://www.trustpilot.com/review/steadily.com) | ★★★★☆ 4.3 (1,175 reviews) | "I've had an excellent experience with Steadily Landlord Insurance. Their policies are simple, rates are reasonable, and they offer a variety of coverage alternatives." | | [**Steadily Website**](https://www.steadily.com/reviews) | ★★★★☆ 4.8 (120+ reviews) | "Fast, easy, and exceptional service! Highly recommend." | | [**Google Reviews**](https://www.google.com/search?q=Steadily+Reviews) | ★★★★☆ 4.3 (314 reviews) | "DO NOT USE STEADILY!!! THEY WILL DROP YOU AFTER TAKING YOUR MONEY UPFRONT." | | [**Reddit**](https://www.reddit.com/r/AirBnB/comments/13d8afr/insurance_anyone_used_steadily_american_modern/) | Mixed opinions | "I called a lot of insurance companies and struggled to get coverage because my property is in an area with higher wildfire risk. Steadily was easy to work with and quickly found me the coverage I needed." | | [**CNBC**](https://www.steadily.com/press/cnbc-best-landlord-insurance-companies-2026) | Industry Recognition | "CNBC Names Steadily Among Best Landlord Insurance Companies of 2026" | ## Steadily Insurance Financial Strength and Growth Metrics | Metric | Value | Source | |--------|-------|--------| | Founded | 2020 | Steadily | | Total Funding | $90.1M across 4 rounds | Tracxn, 2026 | | Latest Valuation | $355M (Series C, 2025) | Steadily Press Release, 2025 | | Annualized Gross Written Premium | Over $300M | Steadily Press Release, 2025 | | Inc. 5000 Rank | No. 63 (4,606% 3-year growth) | Inc. 5000, 2025 | | Weiss Ratings Capital Ratio | ~24.15 (strong capitalization) | Weiss Ratings, 2025 | | States Operating | All 50 U.S. states | Steadily | | Property Technology Integrations | 400+ platforms | Steadily Press Release, 2025 | According to [(Weiss Ratings, "Weiss Ratings Summary - Steadily Insurance Company", 2025)](https://weissratings.com/en/insurer/P16963), Steadily Insurance Company maintains risk-adjusted capital ratios of approximately 24.15, which indicates strong capitalization. The company reports a loss ratio of 50.0% with total assets around $3.33 million and capital of $3.05 million. These metrics suggest Steadily maintains adequate reserves relative to its exposure. In January 2025, [(Steadily, "CNBC Names Steadily Among Best Landlord Insurance Companies of 2026", 2026)](https://www.steadily.com/press/cnbc-best-landlord-insurance-companies-2026) recognized Steadily as one of the best landlord insurance providers for rental property coverage. This follows the company's 2026 recognition by [(Steadily, "USA Today Names Steadily Named America's Best Customer Service ...", 2026)](https://www.steadily.com/press/steadily-named-best-customer-service-usa-today-financial-services), which awarded Steadily a 4.5-star customer service rating based on consistent excellence across customer touchpoints. Because Steadily is a relatively new carrier, it has not yet received ratings from AM Best or accumulated sufficient market share to appear in NAIC complaint indices. However, independent reviews and rapid growth suggest the company is meeting landlord needs effectively. ### Get Customer Support Or File A Claim For Steadily Insurance To contact Steadily Insurance for customer support: - [Send a message through their online contact page](https://www.steadily.com/contact-us). - Call their support line at 888.966.1611. - Reach them by postal mail at 9450 SW Gemini Dr., PMB 18626, Beaverton, OR 97008. [Steadily policyholders can submit claims online](https://www.steadily.com/claims) or call customer support at 888.966.1611. According to [(Steadily, "Claims", 2026)](https://www.steadily.com/claims), customer testimonials describe the claims process as "efficient, thorough and easy." The company advises policyholders to minimize further damages (tree removal, roof tarping, plumbing repair), preserve damaged property, and report crime-related claims to appropriate authorities. ### Frequently Asked Questions **Should I Buy Steadily Insurance?** If you are a landlord, Steadily can be a great option because it offers efficient service and specialized coverage for rental properties. Steadily Insurance reviews consistently highlight the company's fast quoting process, competitive pricing for complex rentals (Airbnb, vacant properties, older homes), and strong customer service ratings. However, potential customers should be aware that some policies may be non-admitted surplus lines coverage, and initial quotes may be adjusted after underwriter review. **Is Steadily Insurance good insurance?** Yes, Steadily Insurance is a legitimate and growing provider. The company maintains strong capitalization according to Weiss Ratings, has secured $90 million in funding at a $355 million valuation, and ranks among the fastest-growing insurance companies in America. Steadily insurance rating from Trustpilot stands at 4.3 stars from over 1,175 reviews, and industry recognition from CNBC and USA Today confirms its standing in the landlord insurance market. **Is Using Steadily Worth It?** Steadily is more efficient at generating quotes and closing deals than traditional landlord insurers. Its software allows it to price customized insurance and bind coverage quickly, which can be important to landlords who are in the process of purchasing rental properties and whose lenders require insurance to close on them. According to investor forums on BiggerPockets, some users report higher coverage limits at lower premiums compared to traditional carriers, though deductibles may be higher (often $5,000 general and 3% wind/hail). **What about Steadily insurance claims and complaints?** Steadily insurance claims can be filed online or by phone, with the company partnering with Snapsheet for digital automation and in-house processing. Customer feedback on Steadily insurance complaints is mixed: while many reviews praise fast service and responsive agents, some negative reviews cite denied claims, policy cancellations, and refund issues. Because Steadily is a new carrier, it lacks NAIC complaint data that would provide industry-standard benchmarks. **How do I get a Steadily Quote?** You can get a [quote through Steadily directly](https://www.steadily.com/), or compare Steadily and other landlord options by using a licensed broker, like [Coverage Cat](https://www.coveragecat.com/). Let [Coverage Cat](https://www.coveragecat.com/) do the research to help you find the best policies, coverage, and price for your personal financial situation. We search across dozens of major insurers and use data science to compare millions of real quotes.