File a landlord insurance claim
When something goes wrong with your rental property, we makes it easy to get help fast. File your claim online or call us — we'll take it from there.
The Steadily approach to claims
Steadily was built specifically for landlords — our policies are designed around the real risks that come with owning rental property, from fire and storm damage to liability claims and lost rental income. When something happens to one of your properties, you're not navigating a generic process. You're working with a team that understands what's at stake for your rental property, and knows how to move quickly.
Our goal is to make your claims experience fast, easy, and effortless.
What our customers are saying
How to file a claim
What Steadily landlord insurance covers
We cover a wide range of risks, though your specific policy will determine coverage limits and perils
Riot & civil commotion
Covers damage to your rental property caused by riots, civil unrest, and public disturbances.
Vandalism & burglary
Covers damage made to your rental property by a burglar or a vandal, such as broken windows or defacements made to walls or exterior structures.
Loss of rent
Covers lost rental income for when your rental becomes uninhabitable due to covered perils, or while the repairs are being made.
Storm and hail
Covers damage to your rental property caused by storms, hail, wind and lightning - such as fallen trees or hail punctures in roofing structures.
Water
Covers certain water damage not caused by flooding, including burst pipes, HVAC leaks and plumbing overflows.
Legal liability
Covers legal fees and costs if a tenant or guest is injured at your rental property, or if they make a legal claim against you.
Fire
Covers damage from fire, smoke and related events, such as wildfires, accidental kitchen fires or electrical fires caused by malfunctioning appliances.
Properties we look after
We make it easy to get landlord insurance for many types of properties
We also cover short-term rental properties, such as Airbnbs and VRBOs
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Frequently asked questions
How long do you have to file a claim after a covered incident?
Your policy requires you to notify Steadily as soon as reasonably possible after becoming aware of damage you want to claim. The sooner you report it, the sooner we can start the process and make sure you're reimbursed for all covered perils.
Do you need a police report to file an insurance claim?
It depends on the nature of the claim. If your claim involves a crime — for example, a burglar shattered a window or a vandal marked up your property — a police report is required. If no crime was involved, there's no need to contact law enforcement.
How long should an insurance claim take to process with Steadily?
Processing time varies drastically depending on the type and complexity of the claim. Our claims team is committed to making the process as quick and straightforward as possible for every policyholder, and our agents will work with you individually to get a resolution as quickly as we can.
Are insurance claim payments taxable?
In most cases, no. Insurance payouts for property damage are considered reimbursement for a loss, not income, so they generally aren't taxable. There are exceptions — lost rental income payments may be taxable since that income would have been taxable otherwise, for example. If your claim is straightforward property damage, you likely won't owe taxes on the payout. We are not tax experts, and it's best to consult with a tax professional to be sure.
