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
Comparison
Safely vs CBIZ Vacation Rental Insurance
Pricing, pros and cons, and buyer-fit side-by-side. Pick the one that matches your operation — or see why neither should.
Insurance & Protection
CBIZ Vacation Rental Insurance
Specialty STR insurance for U.S. owner-hosts
Solid Option
Established specialty STR insurer — but you'll need to call for a quote
Contact sales • No free trial
✓Editorial verdict
Which Should You Pick: Safely or CBIZ Vacation Rental Insurance?
Pick Safely if you want pay-per-night insurance that scales with occupancy, bundles guest screening via SafelyScore, and integrates with your PMS — ideal for hosts running below roughly 150 nights per year per property. 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.
Editorial perspective from the Safely side; factual claims about CBIZ Vacation Rental Insurance are drawn from its review.
Pricing Side-by-Side
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
CBIZ Vacation Rental Insurance
Full pricing →Contact sales • No free trial
Contact sales
Quote-based pricing only — premiums vary by property amenities, location, and coverage limits. CBIZ does not publish rate cards; the vendor pricing path returned 404 on 2026-04-25 and the product site directs prospects to a phone/form quote workflow.
Try CBIZ Vacation Rental InsuranceWhat each tool does well — and where it falls short
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.
What CBIZ Vacation Rental Insurance does well
Specialty commercial coverage that replaces a homeowners policy
CBIZ markets a single bundled policy covering dwelling, contents, liability, and business income for STR use — addressing the property-damage and liability gaps that platform-provided host policies and standard homeowners policies typically exclude.
High commercial liability limits available
Policies are written with up to $2 million general aggregate and $1 million per occurrence, suitable for owners with pools, hot tubs, or watercraft amenities that drive higher liability exposure.
A-rated carrier with deep tenure in the niche
CBIZ has been insuring vacation rental properties since 2002 and the current national program is backed by an A-rated insurance carrier, per the 2025 program-relaunch press release.
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.
Where CBIZ Vacation Rental Insurance falls short
No published pricing — every prospect must request a custom quote
Buyers cannot comparison-shop on the website; the vendor pricing URL returned 404 on 2026-04-25 and the product site routes all inquiries through a phone/form quote workflow.
Limited independent third-party reviews
Public review platforms have sparse coverage of CBIZ customer experiences — Awning explicitly notes that no third-party online reviews exist for this established provider, making independent verification difficult.
Coverage gaps in specialty risks
Liquor liability, squatter coverage, pet/animal liability, and earthquake are not included by default — operators with bars, exotic pets, or West Coast properties may need supplementary policies.
Which Should You Pick
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.
Pick CBIZ Vacation Rental Insurance if
U.S.-based individual owners of single-family, condo, or 1–4-unit short-term rental properties who want commercial-grade liability and property coverage to replace a homeowners policy.
Skip CBIZ Vacation Rental Insurance if
You are a property manager seeking PMS-side software integrations, a buyer who needs transparent published premiums, or you operate outside the United States.
Where Safely and CBIZ Vacation Rental Insurance actually differ
- Safely charges per night starting at $8 with zero cost during vacancy; CBIZ requires an annual premium obtained through a phone or form quote process with no published rate card.
- Safely bundles guest screening via the proprietary SafelyScore damage-history database at $0.50/night when combined with insurance; CBIZ has no guest-screening component.
- CBIZ provides a primary commercial policy that replaces homeowners insurance and includes business-income and amenity-risk coverage; Safely offers up to $1M primary commercial damage coverage with a $10K contents cap and does not replace homeowners insurance.
- Safely integrates natively with Hostaway, Guesty, Hospitable, and Lodgify plus direct channels including Airbnb, Vrbo, and Booking.com; CBIZ has no documented PMS integrations or API access.
- CBIZ targets U.S. owner-hosts with 1–4 unit properties; Safely serves operators from single-property hosts up to enterprise managers with 10+ units via custom quoting.
Common objections
- CBIZ replaces my homeowners policy with a full commercial policy — doesn't that make it strictly better protection?
- It depends on your situation. If your STR is a dedicated investment property and you need year-round dwelling, business-income, and high-liability coverage, a commercial replacement policy like CBIZ is the right shape. But if you already carry homeowners insurance and want supplemental STR-specific coverage that activates only when guests are present, Safely's per-booking model avoids paying for idle months while still providing up to $1M in primary commercial protection plus a screening layer that reduces claims in the first place.
- Safely's $10K contents cap seems low — will that actually cover my furnishings?
- For standard STR furnishings and appliances it's usually adequate, but if your property has high-value fixtures or specialized amenities like hot tubs, CBIZ's broader commercial policy likely covers more. Weigh the contents cap against Safely's guest-screening layer, which flags high-risk guests before they book and reduces the probability of a contents claim.
- Won't Safely's per-night pricing cost more than CBIZ at high occupancy?
- Likely yes. At roughly 100–150+ nights per year, Safely's per-night fees can compound past a typical annual policy premium. If you're running a high-occupancy property, request a CBIZ quote and compare the annual cost against your projected Safely spend — the crossover depends on your nightly rate and occupancy. Below that threshold, Safely's vacancy-adjusted pricing and bundled screening are hard to beat.
Keep Digging
Safely
Best pay-per-booking insurance for low-to-mid occupancy hosts
CBIZ Vacation Rental Insurance
Established specialty STR insurer — but you'll need to call for a quote