Head-to-head comparison · Updated July 2026
Safely vs Steadily
Two well-regarded STR insurance products built on fundamentally different billing structures.
Per-booking protection bundled with guest screening — pay only when booked
One flat annual landlord policy that flexes across short, mid and long-term rentals
The quick verdict
Safely (88/100) and Steadily (84/100) both solve real coverage gaps, but with opposite billing philosophies. Safely charges per booking — you only pay for nights actually rented, with primary coverage up to roughly $1,000,000 per stay, $10,000 in contents protection, and guest screening bundled into every policy, plus native integrations with OwnerRez, Lodgify and Guesty. Steadily sells one flat annual landlord policy (averaging about $1,377/year for STR coverage across 48 states) that flexes across short, mid and long-term rental use in a single policy, with quotes generated in minutes and a Guesty integration. Choose Safely if your occupancy is variable and you want screening bundled in; choose Steadily if you want one predictable annual premium and a mixed-term portfolio.
…you want to pay only for nights actually booked, with guest screening bundled into every policy, and already run OwnerRez, Lodgify or Guesty.
…you want a single annual premium instead of per-booking billing, and your portfolio mixes short, mid and long-term rentals.
Safely vs Steadily at a glance
Scores come from our hands-on testing rubric — how we test STR software. Vendors can’t pay for placement.
| Our score | 88/100 | 84/100 |
| Best for | Hosts wanting pay-per-stay coverage with bundled screening | Owners wanting one flat annual policy across rental types |
| Pricing model | Per-booking, quote-based (no published flat rate) | Annual premium, avg ~$1,377/year for STR |
| Overall score | 88/100 | 84/100 |
| Guest screening bundled | Yes, included with every policy | No — insurance only |
| PMS integrations | OwnerRez, Lodgify, Guesty | Guesty |
| Coverage flexibility | STR-specific, per-stay | Flexes across STR, mid-term and long-term in one policy |
| Quote speed | Requires a quote request | Quotes generated in minutes online |
| Coverage limits | ~$1,000,000/stay + $10,000 contents | $1,000,000+ liability, loss of rent, personal property |
| Full review | Safely review → | Steadily review → |
Score battle: rubric results side by side
Sub-scores from the same testing rubric we apply to every tool in the str insurance directory.
The full breakdown
4 dimensions that actually decide which tool fits, based on running both on real listings.
01Pricing structure
It’s a tiePer-booking vs annual — which is cheaper depends entirely on your occupancy rate.
Safely has no published flat rate; cost is a per-booking fee determined by quote, property profile and nights booked, so you never pay for vacant nights. Typical per-night STR insurance costs run roughly $4–$10 when annualized, though Safely’s own pricing is fully property-specific.
Steadily charges one annual premium, averaging around $1,377/year for STR policies in the US, translating to roughly $115/month regardless of actual occupancy. For a high-occupancy property, Steadily’s flat annual rate can beat Safely’s per-night model; for a lower-occupancy or seasonal property, Safely’s pay-as-you-go structure often wins.
- No published flat rate — quote-based per booking
- Typical effective cost: ~$4–$10/night
- Billed at reservation time, refunded on cancellation
- Avg ~$1,377/year for STR policies (US)
- Roughly $115/month flat
- Available across 48 states
02Guest screening & PMS integrations
Winner: SafelySafely bundles guest screening into every policy and integrates with three major PMS platforms.
Safely bundles guest screening with every reservation’s policy, and integrates natively with OwnerRez, Lodgify and Guesty — reservations flow in automatically, a policy is issued per booking, and a trust-and-safety fee is added, minimizing manual work.
Steadily is insurance-only, with no bundled screening product, and integrates with Guesty alone for in-platform quoting and binding — narrower than Safely’s three-platform reach, though sufficient if Guesty is your PMS.
03Coverage flexibility across rental types
Winner: SteadilySteadily covers short, mid and long-term rentals under one policy — useful for mixed portfolios.
Steadily’s landlord insurance explicitly flexes across short-term, mid-term and long-term rental use within a single policy, which its own review notes is well-suited to investors who shift a property between rental strategies or hold a genuinely mixed portfolio.
Safely is purpose-built for short-term rental bookings specifically — a strength if STR is your only use case, but it doesn’t offer the same single-policy flexibility if a property occasionally converts to a longer-term lease.
04Track record & reliability
Winner: SafelySafely scored higher overall (88 vs 84), partly on trust-and-uptime and claims history.
Safely scored 88/100 overall, with its own review citing over $50 billion in homeowner liability covered since launch and consistently strong integration reliability across its PMS partnerships.
Steadily scored 84/100 with a solid 4.4-4.9/5 Trustpilot rating for speed and service, but its own review flags some abrupt cancellations and underwriting complaints, plus non-admitted carrier status in certain states — worth reading the policy terms carefully for your state.
Current pricing, plan by plan
Pulled from our reviews and re-checked against vendor pricing pages. Always confirm on the vendor site before committing.
Primary commercial short‑term rental coverage per stay for property damage, liability, bodily injury and bed bugs for the homeowner, PM, and guests, plus guest screening for each reservation.
Coverage limits often around $1,000,000 for structural damage or bodily harm and about $10,000 for contents/theft, including intentional damage, but exact limits and pricing are customized.
Dwelling/liability; STR add-ons.
STR avg $1,377/year US.
Which one should you choose?
Choose Safely if…
- You want to pay only for nights actually booked, not a flat annual premium
- Bundled guest screening with every policy would save you a separate subscription
- You already run OwnerRez, Lodgify or Guesty and want native policy issuance
- Your occupancy is variable or seasonal, making per-booking billing more cost-efficient
- You want the higher-scored option (88 vs 84) in our testing
Choose Steadily if…
- You want one predictable annual premium instead of per-booking billing
- Your portfolio mixes short-term, mid-term and long-term rentals
- You want the fastest online quote-to-bind experience
- You run high-occupancy properties where a flat annual rate beats per-night costs
- Guesty is your PMS and that’s the only integration you need
The bottom line
Safely and Steadily both fill real gaps left by homeowners policies and platform guarantees, but they bill in fundamentally different ways. Safely’s per-booking model, bundled guest screening and three-platform PMS integration make it the stronger fit for variable-occupancy or seasonal operators who want protection without a separate screening tool.
Steadily’s flat annual premium and single-policy flexibility across short, mid and long-term rentals make more sense for high-occupancy hosts or investors with a genuinely mixed-use portfolio who’d rather budget one number per year than track per-booking fees. Run your actual occupancy numbers through both before deciding — the cheaper option flips depending on how full your calendar actually is.
Safely vs Steadily: FAQ
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Best STR InsuranceWe test every tool hands-on and vendors cannot pay for rankings or scores. Some links are affiliate links — if you buy through them we may earn a commission at no cost to you, which funds independent testing. See our disclosure.