NEW

Your Airbnb Deserves
Real Insurance

North Carolina's source for landlord, VRBO & short-term rental coverage — powered by Steadily, America's best-rated landlord insurer.

Get a Free Quote (336) 835-1993

Same-Day Quotes DP-3 Policies $1M+ Liability 4.8/5 Rated

Coverage Warning

AirCover Won't Save You

Platform guarantees leave massive gaps. Here's what Airbnb doesn't tell hosts.

Airbnb listing on phone with insurance documents and house key

Platform Coverage

Risky

AirCover is secondary — kicks in after your own insurance
VRBO's $1M liability only covers their platform bookings
No coverage between bookings (burst pipe in January)
No coverage for direct bookings outside the platform
Excludes wear and tear, cash, certain vandalism
Claims often denied or reduced

Steadily DP-3

Protected

Primary coverage designed for rental properties
Full dwelling & structural damage coverage
Contents & personal property protection
$1M+ liability coverage for guest injuries
Loss of rental income protection
Covers Airbnb, VRBO, and direct bookings
Bed bug, vandalism, equipment breakdown options

Real Claims

What If This Happened to You?

These scenarios happen to NC rental hosts every year. Would your coverage pay?

$85,000

Lawsuit

Guest Falls Down Stairs

A guest trips on a loose step railing, breaks their wrist, and sues for medical bills, lost wages, and pain & suffering.

AirCover: May deny — structural issue

Steadily: Covered under $1M liability

$22,000

Damage

Pipe Bursts Between Bookings

January freeze bursts a pipe while no guests are staying. Water damages floors, drywall, and a guest bedroom.

AirCover: No coverage between stays

Steadily: Full dwelling coverage

$4,500

Theft

Guest Steals TV & Electronics

A guest checks out and takes your 65" TV, a soundbar, an iPad, and several kitchen appliances.

AirCover: Often denied or reduced

Steadily: Contents coverage pays

Don't Wait Until It Happens — Get Covered

Why Steadily

Why NC Hosts Choose Steadily

Built from the ground up for rental property owners — not a modified homeowners policy.

Quote in Minutes

Online quotes, same-day binding. No weeks of waiting.

Built for Rentals

DP-3 policies designed for STR, not modified homeowners.

All 50 States

National coverage, local expertise. NC specialists.

#1 Rated

4.8/5 stars from thousands of landlords nationwide.

By The Numbers

NC Short-Term Rentals Are Booming

The opportunity is massive — but so is the risk if you're not properly insured.

42K+

Active NC Airbnb Listings

$28K

Avg Annual Host Revenue

72%

Hosts Without Landlord Insurance

$35K

Avg Uninsured Claim Cost

Sources: AirDNA Market Data 2025, National Association of Insurance Commissioners, Steadily Claims Data

Free Tool

Is Landlord Insurance Worth It?

See how your estimated insurance cost compares to your rental income. Spoiler: it's a no-brainer.

Property Value

Monthly Rental Income

Who It's For

Built for NC Rental Property Owners

Whether you have one cabin or a portfolio of properties, Steadily has you covered.

Airbnb Hosts

VRBO Hosts

Long-Term Landlords

Vacation Cabins

Multi-Family (1-4)

Tiny Homes

Seasonal Renters

Property Managers

Investment Properties

Quick Check

Is Your Rental Property Covered?

Answer 4 quick questions to find out if you have a coverage gap.

Question 1 of 4

Do you rent your property on Airbnb, VRBO, or to tenants?

Local Markets

Protecting NC's Hottest Rental Markets

Yadkin Valley Wine Country

Elkin, Dobson, Pilot Mountain, Surry County — vineyard retreats and mountain cabins.

NC High Country

Boone, Blowing Rock, Banner Elk — ski chalets and vacation cabins year-round.

Foothills & Piedmont

Winston-Salem, Greensboro, Charlotte metros — urban rentals and investment properties.

All of North Carolina

Licensed in all 100 NC counties. Beach, mountain, or metro — we insure it all.

Bill Layne - Licensed NC Insurance Agent

Your Local STR Insurance Expert

Bill Layne Insurance Agency has been protecting NC families and property owners since 2005. As an appointed Steadily agent, we combine 20+ years of local insurance expertise with Steadily's purpose-built landlord platform. Whether you have a cabin in the mountains or a condo in Charlotte, we shop multiple carriers and find the right coverage.

Licensed NC Agent Appointed Steadily Agent 20+ Years Experience

336-835-1993 Save@BillLayneInsurance.com

What NC Property Owners Are Saying

"I had no idea my homeowners policy didn't cover my Airbnb guests. Bill got me a Steadily policy the same day I called. Peace of mind for less than $100/month."

Mike C.

Airbnb Host — Elkin, NC

"We own two rental cabins near Pilot Mountain. Bill found us coverage through Steadily that was actually cheaper than what we were paying with our old carrier."

Jennifer R.

Cabin Owner — Pilot Mountain, NC

"A guest's kid broke a window and damaged the hardwood floors. Steadily paid the claim in 10 days. Worth every penny. Bill made the whole process painless."

Tommy L.

VRBO Host — Mount Airy, NC

FAQ

Frequently Asked Questions

No. Most homeowners policies exclude or limit coverage for short-term rental activity. Renting your property is considered a business, and standard policies aren't designed for that. You need a dedicated landlord or STR policy to be properly protected.

Dwelling protection, contents, liability (up to $1M+), loss of rental income, and optional add-ons like equipment breakdown and bed bug coverage. It's built specifically for rental properties — not a modified homeowners policy.

Minutes. Steadily's platform lets us quote and bind quickly — often same-day coverage. Just call or email and we'll have numbers for you fast.

Yes. Even occasional rentals create liability exposure. One guest injury or one denied claim can cost tens of thousands. Part-time hosts need coverage too — and rates reflect your actual usage.

Single-family homes, condos, multi-family (1-4 units), tiny homes, cabins, vacation homes — if it's a rental property, Steadily likely covers it.

Rates vary by property value, location, and coverage needs. Many NC hosts pay less than they expect. Call for a free, no-obligation quote and we'll get you exact numbers.

Your Airbnb DeservesReal Insurance