File a landlord insurance claim

Illustration of a house under repair, a ladder against its roof

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.

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.

What our customers are saying

  • Working w/ Steadily was BY FAR the most efficient, thorough and easy claims process I have ever worked through.

    ClarissaKnoxville, TN

  • Great professional experience from claims specialist to claim adjuster.

    Michael PGalena, MO

  • 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.

    Eric MartinSacramento, CA

  • The process was quick, fast and stress free.

    Eric MartinWynnewood, PA

How to file a claim

  1. Submit your claimEnter your policy number at the top of this page, or call us at (888) 966-1611.
  2. Take measures to prevent further damageTake measures to minimize or prevent any further damages (ex. tree removal, roof tarping, plumbing repair). If your claim involves a crime, ensure you have reported it to the appropriate authorities.
  3. Preserve damaged propertyPreserve damaged property. Take photos, keep emergency service information, and retain invoices - don’t throw anything away just yet - you might need it for your claim records.
File a claim online

What Steadily landlord insurance covers

We cover a wide range of risks, though your specific policy will determine coverage limits and perils