Safely Short-Term Rental Insurance Reviews [2024]

Discover how Safely Short Term Rental Insurance can protect your property from unexpected damages. Read reviews and learn about coverage benefits in our guide.

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Managing a vacation rental property comes with its share of risks – from property damage to guest-related incidents. Traditional insurance policies often fall short in addressing these unique challenges, leaving property owners vulnerable.

Imagine the anxiety of dealing with unexpected damages, legal liabilities, or guest-related issues without adequate coverage. 

Enter Safely short-term rental insurance. It offers a solution that’s tailored to the modern vacation rental market. But is it the right insurance for you?

In this article, we’ll explore the unique features of Safely’s insurance policy. Let’s dive in to discover how Safely stands out in the crowded field of vacation rental insurance.

What is Safely Short-Term Rental Insurance?

Established in 2015 by Andrew Bate, Safely has risen to become one of the best vacation rental insurance companies today.

What sets Safely apart, and something we particularly appreciate, is their innovative Safely Score™. This feature is a game-changer for property owners. It allows them to screen potential guests effectively. 

It’s similar to the guest review system used by platforms like Airbnb or VRBO, offering a similar level of insight and reassurance before a booking is confirmed.

Safely also offers a robust Safely Protection Policy through On Demand Insurance Agency, LLC. This comprehensive policy provides up to $1,000,000 coverage for various incidents, including structural damage, content repair or replacement, and bodily injury. 

Remarkably, this policy is versatile, extending its benefits across multiple booking platforms such as Airbnb, VRBO, and even direct booking sites.

A key highlight of Safely’s offerings is their guest screening process. This process is an integral part of every policy they offer, giving you a clear insight into who will be staying in their properties. It’s a thoughtful addition that enhances the security and trustworthiness of the rental experience.

The coverage is extensive, addressing a range of situations that you might face. This includes damage caused by pets, intentional acts by guests, theft, and even damages resulting from guest negligence. 

It’s a comprehensive approach that underscores Safely’s commitment to protecting you from a spectrum of unforeseen challenges, thereby safeguarding their business and properties from diverse potential risks.

Safely Key Features

Let’s break down what makes their policy stand out.

Automated Guest Screening

Safely’s short-term rental insurance stands out with its automated guest screening, included free with their insurance plans. This process is non-invasive yet thorough, ensuring guests are assessed accurately for potential risks. 

It involves a detailed check of the guest’s identity against various databases, including:

  • county and court records
  • national and criminal databases
  • international watchlists like Europol and Interpol

Additionally, it includes checks against sex offender lists and Safely’s own SafelyScore, a proprietary database documenting instances of guests causing damage in past rentals.

Custom Solution

The insurance policy offered by Safely is a custom solution that caters to the unique needs of short-term rentals. 

It covers a wide range of scenarios, from property manager and homeowner liability for bodily injury to guest-caused structural damage. 

This comprehensive coverage ensures that homeowners, property managers, and guests are all adequately protected, providing peace of mind and security.

Seamless Integration

A standout feature of Safely’s insurance is its seamless integration with top property management systems (PMS) and direct booking sites. This integration means that all stays are automatically covered, saving significant time and effort for property managers and homeowners. 

The automatic coverage feature streamlines the process, making it more efficient and user-friendly.

Quick And Simple Claims Process

Safely offers a quick and simple claims process through its Safely Protection Policy, provided by On Demand. The process is designed for efficiency, with most payments processed as fast as three business days. 

It involves just three steps: taking pictures of the damage, submitting the claim, and waiting for the payout. 

This efficient process minimizes the hassle typically associated with insurance claims, making it a convenient option for property managers and homeowners.

Available Nationwide

Safely’s services are not limited to a few states; they operate nationwide, covering all 50 states, Washington D.C., Puerto Rico, and the U.S. Virgin Islands.

Short-Term Rental Coverage

Safely’s short-term rental insurance provides comprehensive coverage for a variety of on-site incidents. This includes protection for property contents, structural property damage, and personal injury, addressing the needs of homeowners, property managers, and guests.

Extensive Coverage for Property and Liability

The policy offers up to $25,000 coverage for property contents and belongings, ensuring that personal items are protected. 

For more significant concerns like guest-caused structural property damage and liability, the coverage extends up to $1,000,000. This substantial amount reflects an understanding of the potential high costs associated with property damage. 

Person signing insurance papers - best insurance for AIrbnb hosts

Additionally, the policy includes up to $1,000,000 in homeowner and property manager liability coverage for guest injuries, providing a safety net for more severe incidents.

Pet-Caused Damage Coverage

Recognizing the growing trend of pet-friendly properties, Safely’s policy also covers pet-caused damage. 

This feature is particularly beneficial for property owners who welcome pets, offering them an extra layer of protection against potential damages caused by animals.


Safely adopts a pay-as-you-go pricing model, which is particularly convenient. This model means you only pay for the coverage when you need it, specifically for the nights when you have guests staying. 

To get a customized quote, fill out the online form on Safely’s website.


As a relatively new player in the market, Safely doesn’t have an extensive array of external customer reviews yet. 

However, their website features some positive testimonial quotes from users. While these testimonials offer a glimpse into customer satisfaction, potential users might look forward to more comprehensive reviews as the company grows and serves more clients.


Safely is an ideal choice for homeowners and property managers who prioritize comprehensive insurance coverage for their short-term rentals. 

It stands out with its automated guest screening feature, ensuring a secure rental experience. This insurance is particularly suitable for those who appreciate detailed background checks on guests, extensive coverage for property and liability, and a user-friendly approach to insurance.

Safely Vacation Rental Insurance Pros

  • Automated guest screening for secure and risk-free rentals
  • Extensive coverage up to $1,000,000 for property damage and liability
  • Unique coverage for pet-caused damage, beneficial for pet-friendly properties
  • Convenient pay-as-you-go pricing model
  • Easy integration with property management systems and a simple claims process

Safely Vacation Rental Insurance Cons

  • As a newer player in the market, there are limited external customer reviews
  • Coverage limits might not be suitable for all types of properties
  • Getting an instant quote is not possible

If you’re exploring insurance options for your vacation rental, consider Safely for its tailored approach. Additionally, for a broader perspective on insurance choices, check out our list of the best vacation rental insurance companies to compare and find the best fit for your specific needs.

You can also check out Proper Insurance and read on why they are our top recommendation for Airbnb and vacation rental insurance.

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