Steadily is a tech-first landlord insurance platform headquartered in Austin, Texas. Founded in 2020, they have grown fast: $40B+ in risk under management, all 50 states plus DC, and recognition on the Inc. 5000 multiple times. They run their own carrier (Steadily Insurance Company, AZ-based) and write through external carriers as well. Their core product is online self-service landlord insurance quoting on DP-1 and DP-3 forms covering single family rentals, multifamily, condos, short-term rentals, manufactured homes, and Airbnbs.
What Steadily does well
Speed is the headline. An investor with a standard single family rental can get a quote online in minutes and bind same day. The platform is well-built. The website is fast. The state-by-state landing pages are the most developed in the space, with FAQs, glossaries, a Landlord Hub resource center, and a Landlord 101 quiz. The content operation is real and has been cited as the most active in landlord insurance.
Carrier integration is a strength too. Because Steadily owns the carrier, the underwriting, binding, and policy issuance happen in a single tech stack. The customer gets an instant binder. The experience is closer to buying a SaaS product than buying insurance.
Where Steadily falls short
The self-service model is the strength and the weakness. There is no broker relationship. No human is calling you before renewal to flag a carrier appetite change. No advocate is fighting with the adjuster on a contested claim. If your situation is simple, that might not matter. If your situation is anything other than simple, it does.
The state pages are templated. Steadily's Washington state page actually describes Washington D.C. (Capitol Hill, Georgetown, government employers) rather than Washington state. It is the kind of mistake a content team makes when they are scaling fast and not really paying attention to local accuracy. For investors who want a partner who actually knows the local market, that is a tell.
Steadily writes landlord insurance only. No commercial property, no trucking, no personal lines. An investor who also runs a business or has a fleet has to maintain separate agency relationships for each line, which gets expensive and fragmented.
Who Steadily is best for
A first-property investor or single-property landlord with a standard SFR who values speed over advisory and does not need coverage outside of residential investor property. The investor who wants the equivalent of buying a flight on Expedia: pick the option, click buy, get the confirmation.
Who Steadily is not best for
- Portfolio investors with 5+ properties who want one renewal date and proactive re-shopping.
- Investors with mixed asset classes (residential plus commercial, residential plus STR, etc.).
- Investors with complex risk: vacant rehab, mobile home park, mixed-use, larger multifamily.
- Investors who also need commercial, trucking, or personal lines.
- Investors in OR, WA, ID, or other PNW states who value local market knowledge.
Common questions
Is Steadily a good landlord insurance company?
Steadily is the largest dedicated landlord insurance specialist in the US. They are a strong fit for investors with a single SFR or condo who want fast, online, self-service quoting and binding. They have less depth for portfolio investors, complex asset classes, or anyone who wants a real broker relationship.
What states does Steadily cover?
Steadily writes landlord insurance in all 50 states plus DC. They run their own carrier (Steadily Insurance Company, AZ-based) and they are also appointed with multiple external carriers. They have state-by-state landing pages for every state, though some of the content is templated and not always locally accurate.
What is Steadily not good for?
Steadily is not built for portfolio investors who need a real broker relationship, multi-asset programs (commercial, trucking, personal lines), or proactive renewal advisory. The model is self-service and transactional. For an investor who wants someone to call them before renewal to flag a carrier appetite change, Steadily is not the right fit.
Is Steadily cheaper than an independent agent?
Sometimes for a simple single-property profile. The catch is that Steadily can only write through their own program. An independent broker who shops 10+ carriers can often beat the Steadily quote on the same property, especially for older buildings, properties in higher-risk areas, or anything with a prior claim. The right answer is to compare.
The bottom line
Steadily is good at what they do. For the simple-single-property investor who wants a fast online quote, they are a legitimate option. For everyone else, an independent broker shopping 10+ carriers will usually do better on coverage match, often beat them on price, and definitely beat them on relationship.