What happens after I submit a quote request?

It is a quote request rather than an instant bind. The details go to Steadily and a licensed agent follows up. Nothing is in force until a policy is actually issued, so do not cancel existing coverage on the strength of a quote.

DeductFlow with

Insurance for rentals, from a company that only does rentals.

Steadily writes coverage for rental properties — short-term and long-term — in all 50 states, priced for how a rental actually operates: guest turnover, your furnishings, the booking income. The smartest owners shop that rate with a specialist. DeductFlow keeps the record of what the premium cost.

Get a Steadily quote See what a specialist prices

A quote request, not an instant bind. The details go to Steadily and a licensed agent picks it up from there. Nothing is in force until a policy is issued.

States. Steadily writes short-term rental coverage in every one of them

4.8

Steadily's Trustpilot rating across their landlord book, as published on their site

Line 15

Insurance has its own line on Schedule C, and line 9 on Schedule E. It is never a rounding error

100%

Of the premium is deductible on a property you rent out and never use yourself

What a rental specialist prices in

A generalist averages your property into a book of owner-occupied homes. A specialist rates what the property actually is — and that shows up in the coverage and in the number.

The turnover

Dozens of stays a year, furnished, with your contents in the house. A rental book prices that pattern every day instead of treating it as an exception.

Rated on how the property operates, not on owner-occupied averages
Furnishings and contents covered as yours

The income

A rental is a business, and the policy is built like one — the revenue the property produces is part of what gets covered.

Loss of rental income when the property cannot be booked after a covered loss
Liability limits set for the property, whatever platform the guest came from

The whole portfolio

Short-term, long-term, mid-term, between tenants — one company writing rental coverage across every door you own.

All 50 states, one specialist book
Quotes online in minutes, a licensed agent on the follow-up

Two halves of the same property

Steadily covers the risk. DeductFlow covers the record. Neither one does the other's job, which is the whole reason the pair works.

Steadily writes the policy

The risk

Property coverage rated for short-term rental use rather than for a house you live in
Liability written into the policy, with limits set for the property rather than for the platform
Loss of rental income when the property cannot be booked after a covered loss
Quotes online in all 50 states, with a licensed agent on the follow-up

DeductFlow keeps the record

The deduction

The premium logged to Insurance, with its date and amount, the day you pay it
An annual premium split across the year it covers rather than dropped in one month
Personal-use months allocated out, so the rental share is the share you claim
One audit-ready package for whoever prepares the return

The rate is worth shopping once a year

Premiums drift at renewal because renewals rarely get shopped. A specialist quote is the fastest way to learn what your rate should be — and whatever number you land on, the premium is a deductible operating cost.

Line	Effect
The renewal you were mailed	$2,300	Nobody shops it for you
Specialist quote, like coverage	$2,050	Rated on a rental book
Difference	+$250	For one quote’s worth of effort
Deductible share of the premium	100%	On a property rented full-time
An hour well spent	+$250	Per year, at renewal after renewal

Illustrative figures, not a quote and not a benchmark — a specialist quote can also come back higher, and coverage differences matter more than the sticker. Your premium depends on the property, the location, the roof and the loss history, and your rate is your CPA’s to confirm. The point is the habit: owners who shop the rate keep whatever the market gives back, and the premium is deductible at whatever number it lands on.

Before you ask for a quote

Two things worth knowing up front, because we would rather you found out here.

A quote is not a bound policy

The form sends your details to Steadily and a licensed agent follows up. What comes back depends on the property, and hard markets are hard for everyone: wildfire exposure, coastal wind and an old roof all move the answer. Do not cancel existing coverage on the strength of a quote. Wait for a policy to actually be issued.

Personal use splits the deduction

If the property is rented every available night, the premium is fully deductible. If you also stay there, the premium is allocated by use and only the rental share is claimed. That allocation is the part hosts get wrong, and it is exactly the thing DeductFlow is built to keep straight. More in splitting mixed-use expenses.

Questions we get most

What makes Steadily different from a generalist insurer?

Specialization. Steadily writes coverage for rental properties — short-term and long-term — in all 50 states, and prices each policy on how the property actually operates: guest turnover, furnishings, booking income. A book built entirely of rentals means your property is rated by people who see thousands like it every week, and that focus is exactly what a smart owner shops for.

How does a Steadily policy fit with AirCover?

They do different jobs. AirCover is built around the guest: damage during a stay, and a liability claim if a guest is hurt — genuinely useful, and worth having. A property policy is built around the property: the building, your contents, and the booking income, however the guest booked. Most hosts carry both. More in insurance deductions for short-term rentals.

Is my short-term rental insurance premium deductible?

Yes. Insurance on a rental property is an ordinary operating expense and it gets its own line on the return: line 15 on Schedule C, line 9 on Schedule E. An annual premium paid up front belongs to the year it covers rather than to the month you paid it, and if you also use the property yourself the premium is split by use. DeductFlow handles both.

What does Steadily cost?

There is no way to answer that honestly in the abstract. Premiums are priced on the property: where it is, what it is worth, how old the roof is, what you are asking the policy to carry, and your claims history. The quote is free and takes a few minutes, which is the only real way to find your number. Pricing is Steadily's and is theirs to change.

What happens after I submit the form?

The details reach Steadily and a licensed agent follows up to build the quote and answer questions. Because you came through this page, the referral is attached to our partner account. That is how the partnership works and it does not change your price.

Do I need DeductFlow to use Steadily, or the other way around?

No. They are separate companies and separate products. Steadily writes the policy. DeductFlow keeps the record of what the premium cost and when you paid it, alongside every other cost of running the property.

More on the cost of owning the property

What we have written about the fixed costs of a short-term rental.

Shop it like a pro. Record it like one too.

Steadily prices the property the way it actually earns. DeductFlow makes sure the premium is on the books when it counts.

Get a Steadily quote See DeductFlow

Free, takes a few minutes, and a licensed agent follows up. Coverage is subject to underwriting.

Disclosure: Steadily links on this page are partner links and DeductFlow is compensated for referrals. It does not change your price. Steadily is a separate company, and coverage, terms and pricing are theirs. DeductFlow is not an insurance agency and does not sell, place or advise on insurance. Nothing here is tax or insurance advice.