Program · MGA, not a carrier
Steadily builds it. SiriusPoint backs it.
Steadily is a managing general agent — it designs the product, quotes it and services it, but it isn't the company on the hook for your claim. In Arkansas, that's SiriusPoint, whose operating subsidiaries AM Best upgraded to A (Excellent) in 2026. That's a notch clear of the rating floor your lender cares about, and it's moving the right way.
Short Answer
Steadily is an MGA, not an insurer. Cribb Insurance Group places Steadily for Northwest Arkansas rental owners, and Arkansas capacity is backed by SiriusPoint — AM Best A (Excellent), upgraded 2026; Fitch A, upgraded February 25, 2026; S&P A-. We write single-family rentals through 4-plexes on this contract, long-term or short-term — Airbnb and VRBO included. Anything larger goes elsewhere, and we'll tell you where.
Who actually owes you money.
This is the fact most landlord pages skip, and it's the one that matters at a claim. Steadily is the name on the quote and the app. SiriusPoint is the name that pays.
SiriusPoint backs Steadily's Arkansas landlord capacity. Three rating agencies cover it, and two of them upgraded in the same year — which is a carrier improving its position, not defending it.
One thing we won't blur
Steadily owns a small admitted carrier of its own, and it carries its own rating. That company is not what writes your Arkansas rental. So if you see "Steadily is A rated" quoted somewhere, check which company is meant — because the rating of a sister company that didn't write your policy is worth nothing to you at a claim.
Why A instead of A- is worth a paragraph
Fannie Mae, Freddie Mac and HUD accept property insurance from carriers rated A- or better by AM Best. That's the floor, and it's why your lender cares who writes the policy at all.
SiriusPoint is at A — one notch above it. A carrier sitting exactly at A- meets the requirement today with nothing to spare; a downgrade of one notch and policies on that paper can stop satisfying a lender. SiriusPoint has somewhere to fall before that becomes your problem. That's not a small distinction on a mortgaged rental, and it's the kind of thing nobody mentions until it's already gone wrong.
What a rating tells you, and what it doesn't
AM Best states plainly that a Financial Strength Rating "does not address… an insurer's claims-payment policies or procedures; the ability of the insurer to dispute or deny claims payment" and is not a recommendation to buy or keep any policy.
So an A tells you SiriusPoint can pay, and it tells your lender the paper qualifies. It doesn't tell you the claim goes smoothly. Different question, different sources — and anyone handing you a letter as the answer to all of it is handing you a logo.
Single-family through 4-plex. Long-term or nightly.
That's the size range on our Steadily contract, and it covers both long-term tenants and short-term rental use. Not what Steadily writes nationally — what we can actually place for you in Northwest Arkansas.
Property size
- Single-family rentals
- Duplex
- Triplex
- 4-plex
How it's rented
- Long-term tenants
- Short-term rentals
- Airbnb
- VRBO
Short-term rentals are a different animal, and Steadily knows it
Northwest Arkansas has real short-term rental volume — the trail system, Crystal Bridges, Beaver Lake, game weekends. And a lot of those properties are insured wrong, because the owner started with a homeowners policy and the use changed underneath it.
Here's the problem with that. A homeowners policy generally assumes owner occupancy. Once a property is being rented to strangers on a nightly basis, you're running a small hospitality business out of a house — and the policy written for a family living in it was never built to respond to that. The gap doesn't announce itself. It shows up at the claim.
Bigger than a 4-plex? Say so early.
Five units is a different product on a different contract. We'd rather tell you that on this page than take your details and go quiet — and we hold 40+ markets, so "not this one" is a sentence we can afford. If your property is larger, call us or start a commercial quote and we'll put it where it belongs.
Steadily Cribby knows whose name is on it.
Cribby the Chameleon is our guide to reading a policy in plain English.
A chameleon notices what's actually there. On a rental, that means the carrier in the top corner of the dec page — not the brand on the quote. Steadily Cribby's here for that conversation: who wrote it, what they're rated, and whether it still fits how the property is being used.
Steadily in Arkansas: common questions.
Is Steadily an insurance company?
Who is SiriusPoint and are they financially strong?
Will my lender accept a Steadily policy?
What does Cribb Insurance Group place through Steadily?
Does Steadily cover Airbnb and VRBO short-term rentals?
Why do I need landlord insurance instead of homeowners insurance?
Is Steadily cheaper than other landlord insurance in Arkansas?
How do I get a Steadily quote in Bentonville or Rogers?
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Send us the declarations page.
Whatever's on your rental right now — Steadily or anyone else. We'll tell you which carrier actually wrote it, what that carrier is rated, whether your lender will keep accepting it, and where the coverage stops. Then we'll quote it across Steadily and our other landlord markets. If what you have is already right, we'll tell you that too.
1601 SW Regional Airport Blvd, Bentonville, AR 72713 📞 (479) 286-1066 ✉️ service@cribbinsurance.com 🕘 Mon–Thu 9:00–5:00
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Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. Steadily is a managing general agent; coverage placed through Steadily in Arkansas is backed by carrier capacity from SiriusPoint. Steadily, SiriusPoint, Fannie Mae, Freddie Mac and HUD are trademarks of their respective owners, used here nominatively to identify a program, the carrier capacity behind it, and the entities that set lender acceptance criteria. This page is authored independently by Cribb Insurance Group and is not written, reviewed, sponsored or endorsed by Steadily or SiriusPoint. The issuing carrier is identified on your declarations page. Coverage descriptions are general summaries and are not a contract; whether a particular loss is covered depends on the specific facts and on the provisions, exclusions and limits of the actual policy. Coverages, limits and eligibility are subject to underwriting qualification and state availability. Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, and are not recommendations to purchase, hold or terminate any policy, nor do they address an insurer's claims-handling practices; current ratings are at ambest.com. Lender acceptance criteria are set by lenders and by Fannie Mae, Freddie Mac and HUD and are subject to change — confirm requirements with your lender. Statements about Arkansas law are general information, not legal advice. Only the issued policy determines actual terms and conditions of coverage. Nothing on this page is an offer of insurance or a guarantee of coverage or rate.