An Introduction to Steadily Landlord Insurance
Whether you own a single-family rental home, a multi-unit building, or a short-term Airbnb property, one thing is certain: standard homeowners insurance was not built for landlords. At Muller Insurance — a fourth-generation independent agency proudly serving clients since 1906 — we work with a carefully selected portfolio of carriers to make sure our clients have access to the right coverage at the right price. That’s why we’re pleased to offer Steadily Landlord Insurance as one of our solutions for rental property owners.
What Is Steadily?
Steadily is a technology-forward insurance company built specifically for landlords. Founded in 2020 and headquartered in Austin, Texas, Steadily was designed from the ground up to address a real gap in the market: fast, affordable, comprehensive coverage for rental property owners. Unlike legacy carriers that make landlords wait days for a quote, Steadily’s platform generates quotes in under a minute by automatically pulling property data from public records.
Today, Steadily operates in all 50 states and has been recognized by CNBC as one of the Best Landlord Insurance Companies of 2026. The company holds an A- (Excellent) financial strength rating from AM Best — a strong signal that they have the financial backing to pay claims reliably.
Who Is Steadily For?
Steadily is an excellent fit for a wide range of property owners, including:
- Mom-and-pop landlords managing 1–4 rental properties
- Investors with small to mid-size portfolios (Steadily can cover up to 20 locations per policy)
- Short-term rental hosts listing on Airbnb or VRBO
- Owners of single-family homes, duplexes, condos, multi-family buildings, ADUs, and even mobile or tiny homes
- Fix-and-flip investors needing coverage during a renovation period
- Landlords whose properties are seasonal, mixed-use, or have primary owner exposure
What Does Steadily Cover?
A standard Steadily landlord policy includes the core coverages rental property owners need:
- Dwelling coverage — protects the physical structure of your rental property
- Loss of rental income — covers lost rent if your property becomes uninhabitable after a covered loss
- Liability protection — covers you if a tenant or visitor is injured on your property
- Other structures — coverage for detached garages, fences, and similar structures
- Personal property — for appliances or furnishings you provide tenants
Steadily also offers a variety of add-on coverages, including bed bug coverage and even limited coverage for a landlord’s personal items — like boats or bicycles — that a tenant may use off-premises. Their platform integrates with over 400 property technology systems, allowing for fast, accurate quoting even for complex portfolios.
Why Steadily Stands Out
- Speed: Quotes are generated in under 60 seconds. Policies can be finalized by text message. For landlords on tight timelines — especially when a lender requires proof of insurance — this is a game changer.
- Specialization: Steadily does not try to be all things to all people. They focus exclusively on landlord insurance, which means their products and underwriting are fine-tuned for rental property risks that general carriers often misunderstand.
- Short-term rental coverage: Many traditional carriers still won’t touch Airbnb or VRBO properties. Steadily offers policies specifically designed for short-term rentals, filling a critical coverage gap.
- Nationwide availability: In a market where many carriers are retreating from high-risk states like California, Texas, and Florida, Steadily still writes policies in all 50 states.
- Landlord Hub: Beyond just insurance, Steadily provides policyholders access to a library of downloadable resources — from lease agreements to eviction notices — along with directories for lenders and property managers. This is especially helpful for newer landlords.
- AM Best A- Rating: Financial strength matters when you file a claim. Steadily’s A- rating means they have the capital and stability to pay what they owe.
The Muller Insurance Difference
As an independent agency representing 25+ carriers, Muller Insurance does not work for any single insurance company — we work for you. When you contact us about your rental property, we shop across our entire carrier portfolio to find coverage that fits your specific situation. Steadily is one of the tools in our toolbox, and for many landlords, it is an outstanding fit.
With over 118 years of experience in the insurance industry and licenses in 29 states, our team has the knowledge to make sure you’re not just covered — you’re properly covered. There’s a big difference.
Ready to Protect Your Rental Property?
Contact Muller Insurance today for a no-obligation review of your rental property coverage. Whether you own one unit or twenty, we’ll help you find the right fit — with Steadily or one of our other trusted carrier partners.
