All tools/Safely

Insurance & ProtectionUpdated 2026-04-19

Safely

Pay-per-booking vacation rental insurance with built-in guest screening

At a glance

Updated 2026-04-19

Best for Small Hosts

Best pay-per-booking insurance for low-to-mid occupancy hosts

Best for: Seasonal or part-time hosts renting fewer than 100 nights per year who want insurance and guest screening bundled without an annual commitment

Pricing

From $8 • No free trial

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What Safely actually is

Safely is a pay-per-booking vacation rental insurance provider that bundles property damage protection (up to $1M primary commercial coverage, $10K contents) with guest screening powered by SafelyScore — a proprietary database of guests who have caused damage at other vacation rentals. Coverage activates at check-in and deactivates at check-out, so operators pay nothing during vacancy. Costs can be passed through to guests as a fee built into the nightly rate.

Core features

Pay-per-booking property damage insurance (up to $1M primary commercial coverage)
Guest screening via SafelyScore proprietary damage-history database
Contents damage and theft protection up to $10,000
Fast claims process — 98% paid in 4.5 days, sub-$1K claims within 24 hours
Coverage cost passable to guests via nightly rate
Criminal, sex offender, and international watchlist screening

Pros

Bundled guest screening with proprietary damage-history database no other platform offers
98% of claims paid in 4.5 days with sub-$1K claims resolved within 24 hours
Zero cost during vacancy — pay only when a guest is checked in

Cons

Per-night pricing compounds quickly past annual policy costs at high occupancy
Supplemental coverage only — does not replace homeowners insurance and excludes weather damage, fine art, and has a $10K contents cap
Limited independent user reviews compared to established insurers like Proper Insurance or CBIZ

Best for

Seasonal or part-time hosts renting fewer than 100 nights per year who want insurance and guest screening bundled without an annual commitment

Not for

High-occupancy operators running 250+ nights per year per property or owners of premium properties needing comprehensive coverage beyond $10K contents

Is Safely right for you?

Honest per-segment take. Click any card for the full breakdown.

1–5 listings

Small portfolios

Great fit

Safely's pay-per-night model is built for you — zero cost during vacancy, no annual commitment, and guest screening bundled in.

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5–20 listings

Mid-sized portfolios

Okay fit

Safely can work across a 10–30 unit portfolio, but run the occupancy math — per-night pricing may exceed annual alternatives at scale.

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20–100 listings

Large portfolios

Okay fit

Pay-per-booking math works at high nightly-rate properties but gets expensive at 250+ nights/yr/property. Large operators running high-occupancy urban or resort units often do better with annual policies like Proper or Steadily at this scale.

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Airbnb primary

Airbnb-first hosts

Okay fit

Safely supplements AirCover with real commercial insurance and a faster claims process, but you're already getting some baseline protection from Airbnb.

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Vrbo primary

Vrbo-first hosts

Okay fit

Vrbo's damage protection is weaker than Airbnb's AirCover, making Safely's supplemental coverage more valuable — but the same cost math applies.

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3+ channels

Multi-channel operators

Okay fit

Safely works across channels, but verify PMS integration support for your stack before committing — the full integration list is not publicly confirmed.

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Related tools

Same category, different fits. Each pick has a direct comparison reason.

View category ranking

Awning Insurance

Solid Option

Pick Awning Insurance if you're a first-time Airbnb investor who wants a one-page triage of four annual carriers (Proper, Obie, Toggle, Hippo) with published price floors before starting any quote process.

From $40 • No free trial

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Proper Insurance

Best Overall

Pick Proper Insurance if you need the most comprehensive commercial STR coverage available — squatter protection, amenity liability, bed bug remediation, and up to $2M in general liability under one policy.

Contact sales • No free trial

View alternatives

CBIZ Vacation Rental Insurance

Solid Option

Pick CBIZ if you need a full commercial replacement policy with business-income protection and broader coverage for a dedicated STR property you operate year-round.

Contact sales • No free trial

View alternatives

InsuraGuest

Best Value

STR operators on a connected PMS who want a low-flat-rate guest-damage and accidental-medical layer they can pass through as a guest fee.

From $69 • No free trial

View alternatives

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