Designed For Airbnb®, HomeAway® & Vrbo® Owners

For Owners

Short-Term Vacation Rental Insurance
Designed For Airbnb®, HomeAway® & Vrbo® Owners


Building & Contents

Business Income

The single biggest exposure you have as a vacation rental owner is liability. When you open your door as the owner, you are also opening yourself up to liability risk. This liability risk is there whether you are simply renting a downstairs apartment or your entire property. The Proper Insurance policy automatically provides $1,000,000 / $2,000,000 in Commercial General Liability. You are covered. And, when the vacation rental also “doubles” as your primary residence – $1,000,000 in personal liability is included in the policy.

The second biggest exposure you have as a vacation rental owner is the actual property itself (building and contents). The Proper Insurance® policy insures your building and contents as a business (commercial form) with replacement cost (new for old) on special form (all risk). This means at the time of a covered loss, the property can be occupied by you – the owner, friends or family, paying guests, or even be vacant as we remove the vacancy clause. It’s the only way for a vacation rental owner to properly insure their property.

Another big exposure you have as a vacation rental owner is lost rental income, or business income. You have worked extremely hard to turn your property into a short-term vacation rental business that generates regular income. You now need to protect the business income your vacation rental generates. The Proper Insurance® policy insures your vacation rental income as “actual loss sustained” with no time limit. This means you are only subject to the limit of insurance you choose for your insurance policy.

Replace your homeowner’s or landlord insurance with Proper Insurance®

10 Important Questions to Consider

Proper Insurance® Program Highlights

  1. Is your home insured to 100% of the replacement cost?
  2. Would you be forced to accept a reduced settlement in the event of a partial loss?
  3. Does your policy offer full limits on theft?
  4. Does your policy have any limitations on damage caused by a renter?
  5. What is your deductible for water damage & are you covered for freezing pipes or water back-up?
  6. Is there an “ordinance or law” coverage enhancement added to your policy?
  7. Does your liability coverage extend off-premise and follow your renters?
  8. Does your liability extend to hot tubs, swimming pools, docks, and small watercraft?
  9. If your property goes unoccupied for periods of time, do you have full coverage?
  10. Would it be beneficial to work with an insurance agent that has
    short-term vacation rental insurance experience?
  • Commercial package policy; coverage for building(s), contents, income, and commercial general liability.
  • Replacement cost valuation for both building(s) and contents, with special form (all-risk) coverage.
  • No limit on damage caused by a renter, and no theft limit.
  • Actual loss sustained business income coverage with no limit.
  • $1,000,000/$2,000,000 of commercial general liability coverage, which extends off-premise.
  • Liability coverage extended to hot tubs, swimming pools, docks, rec areas, pets, bicycles, small watercraft, fishing, & more.
  • No Standard Occupancy Restrictions: Custom-penned for the unique risks of vacation rental and/or short-term rental properties.
  • Underwritten by Lloyd’s, AM Best’s
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Best-in-Class Coverage

By offering trademarked endorsements no other short-term rental
carrier’s offers, Proper Insurance® prides itself in having the market’s
most comprehensive short-term vacation rental insurance program.
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