Insurance & Protection
InsuraGuest
Flat-rate guest damage and accidental medical coverage for short-term rentals
Best Value
Affordable flat-rate guest protection layer for PMS-connected operators
From $69 • No free trial
Comparison
InsuraGuest vs Safely
Pricing, pros and cons, and buyer-fit side-by-side. Pick the one that matches your operation — or see why neither should.
Insurance & Protection
Safely
Pay-per-booking vacation rental insurance with built-in guest screening
Best for Small Hosts
Best pay-per-booking insurance for low-to-mid occupancy hosts
From $8 • No free trial
Pricing Side-by-Side
InsuraGuest
Full pricing →From $69 • No free trial
Basic
$69/mo
- Up to $10,000 property damage coverage
- $100 deductible on property damage
- Accidental medical benefit for guest injuries
Plus
$99/mo
- Up to $25,000 medical benefit
- Higher coverage maximum
- Same no-fault, first-payor claims model
Safely
Full pricing →From $8 • No free trial
Safely Protection Policy
$8/night
Estimated $800-$1,200/year per property depending on occupancy
Any; pay only when bookings occur
- Up to $1M primary commercial damage coverage
- $10K contents protection
- No monthly commitment; activates per-booking
- Bundled guest screening at $0.50/night
Guest Screening (standalone)
$5 per check
Drops to $0.50/night when bundled with Protection Policy
Any
- Access to SafelyScore guest database
- Identity verification
- Cross-reference against vacation-rental damage history
- Stand-alone option without full insurance coverage
Enterprise / Custom
Custom quote
Multi-property portfolios
- Everything in Protection Policy
- Volume pricing based on property count and location
- Custom deductible choices
- Dedicated account support
What each tool does well — and where it falls short
What InsuraGuest does well
Most claims paid within 72 hours on a no-fault model
The vendor advertises 72-hour payouts and a 'first-payor' approach where claims are handled regardless of who's responsible, reducing guest dispute friction during a stay.
Guest-fee pass-through built into the workflow
Operators can recover the subscription cost as a ~$3/day add-on through their PMS or OTA (Airbnb, VRBO, Booking.com), effectively zeroing out the line item.
Pre-integrated with the major STR PMS platforms
Rather than custom plumbing, InsuraGuest ships pre-built integrations with Hostaway, Hostfully, Guesty, Lodgify, OwnerRez, Tokeet, Track, and others.
Predictable flat-monthly subscription
Unlike percentage-of-booking insurance products, InsuraGuest charges a single flat fee per account regardless of nights booked or portfolio revenue.
What Safely does well
Proprietary SafelyScore database screens guests against actual vacation rental damage history
No other platform has a comparable industry-specific damage database. Screening also covers criminal databases, sex offender registries, and Interpol/Europol watchlists.
98% of claims paid in 4.5 days with sub-$1K claims within 24 hours
Operators document damage with photos and receipts — no guest confrontation required. Homeowners have up to 60 days to file.
Zero cost during vacancy with insurance fees passable to guests
Coverage activates at check-in and deactivates at check-out, eliminating traditional damage deposit friction. Operators build the fee into the nightly rate so guests effectively cover the insurance.
Where InsuraGuest falls short
Coverage caps are modest for higher-end portfolios
The top tier maxes out at $25,000 — fine for typical guest mishaps, but light for luxury homes or larger damage scenarios where a true high-limit per-occurrence policy would be more appropriate.
Mixed third-party reviews on claims responsiveness
While the vendor markets 72-hour payouts, independent comparison content from Uplisting notes inconsistent host-side experience and limited host-specific testimonials.
Property-manager-program pricing is opaque
The public site advertises individual host tiers but does not publish a transparent rate card for multi-property managers or PMS-channel deals.
It's an add-on, not a replacement
InsuraGuest is positioned as a layer on top of existing insurance — operators still need underlying landlord/structural property coverage and any high-limit liability separately.
Where Safely falls short
Per-night pricing compounds quickly at high occupancy
At 200+ nights/year the per-night model can exceed annual policy costs from competitors like Proper Insurance ($1,500–$2,500/year). Operators must calculate their breakeven.
Does not replace homeowners insurance and has meaningful coverage exclusions
Excludes weather damage, non-guest-caused damage, fine art and collectibles. Contents theft/damage caps at $10,000 and there is a 90-day maximum consecutive rental period.
Limited public reviews and relatively new market presence
Compared to established insurers like Proper Insurance or CBIZ, Safely has fewer independent user reviews, making real-world claims experience harder to assess at scale.
Which Should You Pick
Pick InsuraGuest if
STR operators on a connected PMS (Hostaway, Hostfully, Guesty) who want a low-flat-rate guest-damage and accidental-medical layer they can pass through to guests as a nightly fee.
Skip InsuraGuest if
You need full structural/landlord property insurance, high-limit liability above $25K, or carrier-of-record protection — InsuraGuest is a layer, not a replacement.
Pick Safely if
Seasonal or part-time hosts renting fewer than ~100 nights/year who want insurance and guest screening bundled without an annual commitment — the pay-per-booking model keeps costs proportional to actual occupancy.
Skip Safely if
You run high-occupancy properties at 250+ nights/year — per-night pricing will exceed annual policy alternatives, and coverage caps ($10K contents, no weather damage) may be insufficient for premium properties.
Keep Digging
InsuraGuest
Affordable flat-rate guest protection layer for PMS-connected operators
Safely
Best pay-per-booking insurance for low-to-mid occupancy hosts