Compare · STR insurance
Steadily vs Obie: which short-term-rental insurer?
Both specialize in short-term-rental coverage. There is no honest “winner” without your property’s numbers — so we won’t invent prices, ratings, or reviews. Here’s the real way to decide.
Estimate your cost first
Get a property-specific cost band and coverage-gap checklist, then walk into each quote knowing what to ask for.
The only fair way to compare them
Get a quote from both for the same coverage — identical liability limits, deductible, business-income, and any pool/hot-tub or amenity endorsements. The cheaper premium is only the better deal if it covers the same things. Anyone ranking them on price or stars without your property is guessing.
Steadily
A landlord- and short-term-rental–focused insurer that writes policies for independent hosts and rental-property owners.
Consider it if
- •You want a policy built for rental and short-term-rental use, not a homeowner policy stretched to fit.
- •You are pricing a single property or a small portfolio and want a direct quote.
- •You want to describe the STR use (nightly guests, pool/hot tub) up front rather than discover an exclusion later.
When you quote: Ask them to spell out guest-liability limits, business-income / loss-of-rents, and any pool/hot-tub or amenity conditions in writing.
Get a Steadily quote →Obie
A technology-forward insurer focused on rental and investment property, geared toward getting a quote online.
Consider it if
- •You prefer to start the quote online and compare coverage quickly.
- •You own rental / investment property and want STR coverage described for your specific use.
- •You want a second quote to put next to your first, on identical terms.
When you quote: Confirm the same limits, deductible, and STR endorsements as your other quote so you are comparing like for like.
Get a Obie quote →Some links are affiliate links; we may earn a commission if you get a policy — it never changes what we recommend or costs you anything.
General guidance, not a quote or an endorsement of either company. Offerings, coverage, and availability vary by state and change over time — verify the current terms directly with each insurer before you buy. We don’t publish prices, ratings, or reviews we can’t stand behind.
Not sure what coverage to quote for?
Run the estimator to see your likely cost band and the gaps a homeowner or landlord policy leaves open.
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