Steadily Review: Landlord Insurance (2026)

Slice pioneered on‑demand homeshare insurance for Airbnb/VRBO hosts, selling commercial policies only for the nights a property is rented, with $2,000,000 liability and full replacement cost on the home and contents, typically $4–$7 per night and zero deductible. In 2024, however, Slice stopped offering new short‑term rental policies, pivoting to powering white‑label on‑demand products (e.g., Duuo in Canada) via its Slice Labs platform. Existing homeshare customers may still be serviced, but new STR hosts generally cannot buy Slice‑branded coverage today and should look at alternatives like Safely, InsuraGuest, Duuo or Proper.

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.

Proper Insurance is a specialty carrier for US vacation rentals that completely replaces your homeowner or landlord policy with a commercial STR policy custom‑penned with Lloyd’s of London and Concert Specialty. It combines homeowners, landlord and business insurance in one contract, covering the building, contents, business income, and commercial liability whether the property is rented, vacant or owner‑occupied. Coverage includes theft and damage by guests, bed bugs (with lost income), liquor/pet/pool/hot‑tub liability, ordinance or law, and actual loss sustained business income with no time limit. Premiums are quote‑based but typically fall in the ~$1,000–$3,000/year range for most single‑family STRs, depending on value, location and risk factors.

GUARDHOG provides insurance and damage protection specifically for short-term rental hosts. It covers property damage, liability, and guest-related risks that standard homeowner policies typically exclude.

Both score well above most insurance products we’ve reviewed — the real difference is depth of coverage versus speed and flexibility.

Two well-regarded STR insurance products built on fundamentally different billing structures.