Short-Term Rental Insurance in Kentucky

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Fast, affordable coverage from one of the best-rated short-term rental insurance services in Kentucky

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Steadily is one of the best-rated landlord insurance services in America

Rated Excellent (4.4 stars out of 5) on TrustPilot

Robert Young
Louisville, KY

A++++++++++++++++

Arnold Chambers,
‍Louisville, KY

The process of getting a landlord policy was very smooth. A few text messages, and the price was great, new policy saved us over $600!

Neldy Garcia,

San Antonio, TX

Very happy with the service. Very quick, very efficient and a pleasure to work with.

Howard Cook,

Las Vegas, NV

Steadily was super easy and I was able to set up my new policy quickly. Customer service could not have been better. Highly recommended!

Elizabeth Oreo,

Etowah, TN

They respond quickly and communicate well. I was able to get the policy I needed to convert my vacation home to Airbnb.

Justin Walker,

Emmett, ID

Great service and easy to do business.

Robert Unterberger,

Wynnewood, PA

Best coverage option for small landlord. Very impressed by easy to navigate website and competitive coverage. Couldn't ask for better.

Eric Martin,

Sacramento, CA

I had a quote within half an hour and then connected them with my mortgage lender for closing via email. Very easy to work with.

Noemi Gato,

Tucson, AZ

Very easy process and the rep was very knowledgeable.

Justin Walker,

Emmett, ID

Great service and easy to do business.

Why you need short-term rental insurance in Kentucky

Kentucky is a great place for new landlords. The low cost of living and affordable home prices make for a good starting base. In 2019 32.99% of households were renters in Kentucky. Here are some notable highlights of being a landlord in Kentucky:

Eviction laws are lenient (7 to 14 notices; depending on the situation)
Security deposits are returned 30-60 days upon lease termination (depending on disputes)

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Who is short-term rental insurance for?

Short-term rental insurance protects your investments when they are rented as a vacation rental, AirBnB, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:

Legal liabilities

Fire and water damage

Financial protection against natural disasters

Protection for your furnishings

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Short-Term rental insurance coverages in Kentucky

Your insurance policy can cover a wide range of risks, or you can choose a limited set of coverages for a lower premium.

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Fire

Because of modern safety codes, fires have become rarer, but the fires that do start tend to cause total destruction of the property.

Water

Broken pipes and appliance leaks are the most common and overall the most expensive property damage for rental properties.

Windstorm, hail, & lightning

Roof damage from storms has become increasingly common as the intensity and frequency of storms have increased over the last two decades.

Lawsuits

Liability protection covers the cost of defending you and settling claims from tenants and their guests for injuries sustained on your property.

Riot and civil commotion

When violent protests break out, riot coverage can pay to fix property damage caused by looters and protestors.

Vandalism & theft

Malicious mischief coverage, as it’s known, covers repairs to broken glass, graffiti removal, and replacement of stolen or damaged property like shared washing machines.

Injury

Injury protection can keep you from getting stuck with the cost of medical bills if a tenant or visitor gets injured on the property.

Bonus coverages

Many policies also include coverage for a long list of other perils such as riots or civil commotion, explosions, volcanic eruptions, and damage caused by vehicles.

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