All tools/Safely
Safely
Pay-per-booking vacation rental insurance with built-in guest screening
At a glance
Updated 2026-04-19Best 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/listing • No free trial
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
Safely's pay-per-night model is built for you — zero cost during vacancy, no annual commitment, and guest screening bundled in.
Read full take →
5–20 listings
Mid-sized portfolios
Safely can work across a 10–30 unit portfolio, but run the occupancy math — per-night pricing may exceed annual alternatives at scale.
Read full take →
20–100 listings
Large portfolios
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.
Read full take →
Airbnb primary
Airbnb-first hosts
Safely supplements AirCover with real commercial insurance and a faster claims process, but you're already getting some baseline protection from Airbnb.
Read full take →
Vrbo primary
Vrbo-first hosts
Vrbo's damage protection is weaker than Airbnb's AirCover, making Safely's supplemental coverage more valuable — but the same cost math applies.
Read full take →
3+ channels
Multi-channel operators
Safely works across channels, but verify PMS integration support for your stack before committing — the full integration list is not publicly confirmed.
Read full take →