How is Safely priced compared with traditional STR insurance?

Instead of a flat annual premium that often ranges from about $1,500–$3,500 per year for a single‑family vacation rental, Safely uses a per‑booking model so you only pay for nights booked, with effective per‑night costs that often fall into the broader STR insurance range of roughly $4–$10 depending on occupancy and coverage.

What does Safely’s protection policy cover?

Safely’s short‑term rental policy is primary coverage for on‑site incidents, including home structure, contents, theft (often up to about $10,000), accidental and intentional guest damage, and bodily injury or liability for homeowners, PMs, and guests, with limits frequently up to about $1,000,000 per stay and coverage for issues like bed bugs in some programs.

How does Safely integrate with my PMS or booking system?

With integrations into systems like OwnerRez, Lodgify, and Guesty, Safely automatically pulls reservations, issues a new policy for each booking, runs guest screening, adds a trust & safety fee, and ensures you are not paying for coverage when there are no guests, simplifying both operations and claims.

Does Safely cover damage from pets or smoking?

Coverage details vary by plan. Safely's protection policies generally cover accidental guest damage, but specific exclusions like intentional damage, pet damage, or smoking may apply. Review the full policy terms or contact Safely for exact coverage details.

Safely Review: Per‑Booking STR Insurance & Guest Screening (2026)

Item: Safely
Rating: 88
Author: STR Specialist

1 min readUpdated 2026-03-06

Overview

Safely is a U.S. short‑term rental protection product that bundles guest screening with primary per‑booking insurance, typically added as a per‑night fee to each reservation. Policies cover on‑site property damage, contents, liability, and guest injury, with coverage up to around $1,000,000 per stay and about $10,000 in contents/theft coverage, including intentional and accidental damage.

You only pay when you have bookings, and it integrates with PMSs like OwnerRez, Lodgify, and Guesty to auto‑issue policies and run screening, making it a strong fit for managers who want to standardize protection across a portfolio without large annual policies.

Safely

STR Insurance

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Professional rating

4.4/5

Rubric score

88/100

4.4/5

Verdict: Safely is a top-tier choice for property managers and teams. Highly recommended.

At a glance

What it does

Per‑booking, pay‑as‑you‑go coverage: each reservation can get its own Safely policy, so you don’t pay when the property is vacant, unlike traditional annual STR policies that often run $1,500–$3,500 per year.
Primary commercial coverage that fills gaps left by homeowners and platform protections: up to about $1,000,000 in structural damage or bodily injury per stay, plus around $10,000 in contents damage or theft coverage, including intentional and accidental damage, and bed bugs in some programs.
Integrated guest screening bundled with every policy, helping filter out high‑risk bookings and giving owners added confidence beyond just insurance.

Best for

Property managers and teams
Hosts who want a clean UI
Automation-first workflows

Not ideal for

No public “list pricing”: there isn’t a standard published starting price; hosts must request a quote and pricing depends on nights booked, property profile, and selected coverage levels.
U.S.‑centric product: best for U.S.‑based properties and managers; availability and terms may be limited or different in other regions.

Pros & Cons

Highlights and considerations for Safely.

Pros

Per‑booking, pay‑as‑you‑go coverage: each reservation can get its own Safely policy, so you don’t pay when the property is vacant, unlike traditional annual STR policies that often run $1,500–$3,500 per year.
Primary commercial coverage that fills gaps left by homeowners and platform protections: up to about $1,000,000 in structural damage or bodily injury per stay, plus around $10,000 in contents damage or theft coverage, including intentional and accidental damage, and bed bugs in some programs.
Integrated guest screening bundled with every policy, helping filter out high‑risk bookings and giving owners added confidence beyond just insurance.
Deep PMS integrations (OwnerRez, Lodgify, Guesty and others) automatically pull reservations and issue Safely policies per booking, add trust‑and‑safety fees, and streamline claims, reducing manual work.
Has reportedly covered $50 billion+ in homeowner liability since launch, signalling meaningful industry traction and scale as an insurtech provider.

Cons

No public “list pricing”: there isn’t a standard published starting price; hosts must request a quote and pricing depends on nights booked, property profile, and selected coverage levels.
U.S.‑centric product: best for U.S.‑based properties and managers; availability and terms may be limited or different in other regions.
Because it is per‑booking, very high‑occupancy portfolios may find total annual cost comparable to or higher than some flat annual policies, depending on rate structure and utilization.
Requires adjusting rental agreements and adding a Safely fee (or building it into nightly rates), which adds a small layer of setup and guest‑facing explanation.
As with any insurance, claims outcomes and responsiveness can vary, and hosts must still follow documentation best practices (photos, incident reports, timelines).

Scores

88/100

We test against our insurance rubric (coverage breadth, claims process, pricing transparency, host experience, etc.). Scores use a 100-point scale.

Strong in setup and value for money; weaker in documentation for STR insurance.

Setup

9/10

Claims process

9/10

Policy automation

9/10

Coverage breadth

9/10

Ease of use

8/10

Team & scale

9/10

Support

8/10

Documentation

5/5

Value for money

9/10

Reliability

8/10

Hands-on Review Notes

Pricing

Best value: Per‑Booking Protection (Core Product) — No flat monthly; cost is a per‑booking (per‑night) fee determined by quote and nights booked, so you only pay when you have guests. Typical STR insurance costs in the market run roughly $4–$10 per night when annualized, though Safely quotes are property‑specific.

Pricing at a glance
Plan	Monthly	Base includes
Per‑Booking Protection (Core Product)	No flat monthly; cost is a per‑booking (per‑night) fee determined by quote and nights booked, so you only pay when you have guests. Typical STR insurance costs in the market run roughly $4–$10 per night when annualized, though Safely quotes are property‑specific.	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.

Pricing at a glance
Plan	Base includes	Monthly	Per-additional	Notes
Per‑Booking Protection (Core Product)	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.	No flat monthly; cost is a per‑booking (per‑night) fee determined by quote and nights booked, so you only pay when you have guests. Typical STR insurance costs in the market run roughly $4–$10 per night when annualized, though Safely quotes are property‑specific.	Applied per reservation/per night across each covered property; scaled automatically via PMS integration.	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.

Integrations

Common integrations supported by Safely.

Integrations

Booking platforms

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PMS connections

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Claims tools

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Other integrations

OwnerRez integration issues a Safely policy automatically for each booking, includes guest screening, adds a Safely trust & safety fee, and transmits reservation and property data for coverage and claims.
Lodgify integration pulls reservations into Safely and applies coverage that includes primary commercial protection ($1,500–$1,000,000) for damage, bodily injury and bed bugs, plus $10,000 of contents damage or theft and some travel insurance benefits.
Guesty Marketplace integration automatically syncs reservations from Guesty into Safely, improving operational efficiency by fully integrating guest screening and insurance into the PMS workflow.