The landlord-only InsurTech. Steadily does one thing — rental property insurance — and built their entire platform around it. Fast quotes, nationwide availability, and coverage designed for how landlords actually operate.
Steadily was founded in 2020 in Austin, Texas, with a singular focus: landlord insurance. Not homeowners insurance with a landlord endorsement. Not a commercial lines carrier that happens to write rental dwellings. A purpose-built platform for rental property owners — from the first single-family rental to the multi-unit portfolio investor. Steadily claims the title of largest landlord insurance specialist in the United States, operating in all 50 states through a combination of their own carrier (Steadily Insurance Company, launched Q4 2024 with AM Best A- Excellent) and five MGA programs connecting clients to admitted and surplus lines carriers.
The Steadily platform is built around speed. Quote in seconds, bind digitally, manage everything online. For landlords who own multiple properties and need efficient coverage management, the platform reduces what would otherwise be a lengthy agent process to minutes. Their AI-driven underwriting pulls property data automatically, reducing the information landlords need to enter manually. Erik Roti began placing clients with Steadily in 2026 and the early experience has been consistent with what the platform promises — easy to quote, easy to issue, and a product designed around how landlords actually think about their coverage needs.
One important structural note: Steadily operates both as a direct carrier and through MGA programs. This means the underlying carrier on a given Steadily policy may vary — some policies are written on Steadily Insurance Company directly, others are placed through one of their MGA programs on admitted or surplus lines paper. The coverage and claims experience should be consistent regardless of the underlying carrier, but it's worth understanding that Steadily is as much a platform and distribution model as it is a traditional insurance company.
New to our portfolio in 2026 — here's what Erik has found consistently appealing about Steadily's platform and product for his landlord clients.
Steadily does one thing and built their entire platform around it. Their coverage is designed specifically for rental dwelling exposures — not homeowners insurance retrofitted for landlords. DP1 (named perils) and DP3 (open perils) policies available for single-family rentals, multi-unit buildings, short-term rentals, and vacant homes. The underwriting, coverage forms, and claims process are all calibrated for rental property risk rather than owner-occupied assumptions.
Steadily is available in all 50 states — one of the few landlord-focused carriers with true nationwide reach. For property investors and landlords with rental properties across multiple states, Steadily offers the ability to manage all of them through a single platform and relationship. This is a genuine operational advantage for the growing segment of landlords who invest across state lines.
Steadily's technology platform pulls property data automatically and can generate a quote in seconds. For landlords who manage multiple properties and need to move quickly on coverage decisions — particularly at acquisition — this speed is a real competitive advantage. The agent platform gives Options Insurance the same speed benefit, allowing Erik to quote multiple Steadily properties for a landlord client in a fraction of the time a traditional carrier process would require.
Steadily writes landlord coverage without requiring the property owner to bring their personal home or auto. This is the standard for landlord specialists — the rental property stands on its own as an insurable risk. For landlords who have their personal lines placed elsewhere, Steadily's standalone landlord product fills the rental coverage need without forcing a bundling decision that may not make financial sense.
Steadily's broad market focus means they'll consider properties that standard carriers approach cautiously — older homes, properties in less-desirable markets, distressed acquisitions being renovated, and short-term rental properties. For investors who buy properties at below-market prices and improve them, having a carrier with appetite during the transition period fills a gap that standard market carriers often leave. Erik finds Steadily competitive where other carriers decline.
Steadily's platform includes an AI assistant (Ask Steadily), a landlord insurance calculator, state-specific landlord law guides, and required insurance forms — all free resources for policyholders. Policy management, payments, and claims are handled digitally. For landlords who are often managing properties as a side business alongside demanding professional careers, the low-friction digital experience is a meaningful quality-of-life improvement over traditional carrier interactions.
No carrier is perfect. Here are the honest gaps to know before placing with Steadily.
Third-party reviews of Steadily's claims experience are mixed. Some customers report smooth, fast digital claims. Others report denied claims, slow resolution, or price adjustments after the initial digital quote when human underwriters review the risk. We are new to Steadily in 2026 and don't yet have a deep claims track record from our own book to validate or contradict what the reviews show. We'll update this assessment as our experience develops.
Steadily Insurance Company launched in Q4 2024 with approximately $3.33 million in total assets — very small for a carrier of their stated scale. The AM Best A- rating is positive, but the balance sheet is tiny compared to established carriers. Steadily places risk through both their own carrier and MGA programs with larger admitted carriers, so total capital may exceed what the Steadily balance sheet alone suggests. Still worth knowing for clients who prioritize large-carrier financial depth.
Steadily writes rental dwelling coverage only. No homeowners, auto, or umbrella. For landlords who also need personal lines placed through Options Insurance, we handle those lines with other carriers and use Steadily specifically for the rental dwelling coverage. Steadily is one piece of a broader coverage program, not a one-stop-shop carrier.
Not all Steadily policies are written on Steadily Insurance Company. Some are placed through MGA programs on admitted or surplus lines carrier paper, meaning the financial strength and policy terms can vary by placement. We review the underlying carrier on each Steadily placement to ensure it meets our standards.
New to our portfolio in 2026 — here's an honest picture of who belongs with Steadily based on their product design and Erik's early placement experience.
"Steadily's landlord focus, easy technology, and broad market appetite make it a natural fit for rental property owners. The platform is fast and straightforward — I can quote multiple properties quickly and my landlord clients appreciate that the coverage is built specifically for them, not a homeowners policy with a landlord endorsement bolted on. We're early with Steadily but the experience has been consistent with what they promise."
— Erik Roti, Personal Lines Agent, Options Insurance
Already a Steadily client through Options Insurance? Here are the resources you need.
Available by phone Mon–Fri during business hours. You can also file online at steadily.com/claims — available 24/7. Steadily aims for fast digital claims processing, though experiences vary. Your Options Insurance agent can help coordinate.
Policy changes, billing, and general service. For most policy changes, your Options Insurance agent is the fastest route. Erik manages Steadily relationships directly and can handle most service needs without routing you through Steadily's phone line.
Manage your policy, make payments, view documents, and file claims. Steadily also offers free landlord tools: insurance calculator, state-specific landlord law guides, required insurance forms, and an AI assistant at Ask Steadily.
Available on iOS and Android. Manage your landlord policy, make payments, and file claims from your phone. Steadily's digital-first platform is one of the cleaner mobile experiences in the landlord insurance space. Access the full Landlord Hub — including law guides and insurance forms — from the app.
Erik is Options Insurance's lead agent for Steadily placements. He works with rental property owners and investors who need fast, straightforward landlord coverage — and Steadily's digital platform fits that workflow well. "Steadily's landlord focus, easy technology, and broad market appetite make it a natural fit for rental property owners."
Tell us a little about what you need. One of our agents will follow up — usually same business day.
No obligation. We'll compare Steadily against our other landlord carriers and find the right fit.
We'll get your rental property covered quickly — and compare Steadily against Foremost and other landlord options in our portfolio.
Start Your Free Quote →The opinions expressed on this page reflect the experience of Options Insurance agents based on policies placed and client feedback received over 15 years. Individual results may vary. Options Insurance is appointed with Steadily as an independent agent. This review is not sponsored, approved, or endorsed by Steadily Insurance Company. AM Best, J.D. Power, and NAIC data are sourced from publicly available reports and are cited for informational purposes. Ratings are subject to change. Steadily Insurance Company launched as a direct carrier in Q4 2024. Some Steadily policies are placed through MGA programs on third-party carrier paper — the underlying carrier may vary. Steadily Insurance Company is rated A- Excellent by AM Best. Comparison data is based on publicly available third-party research. Coverage availability and terms vary by state, risk profile, and underwriting criteria. This page does not constitute a coverage guarantee or binding commitment.