Short term vacation rental insurance for airbnb and vrbo properties

Replace Your Homeowner’s Or Landlord Insurance
With Proper Insurance®

Replace Your Homeowner’s Or Landlord Insurance With Proper Insurance®

Proper Insurance leads the Nation in short-term rental insurance, with over 30,000 policies written in all 50 states.  Backed by Lloyd’s of London and exclusive endorsements from vacation rental leaders such as HomeAway® & Vrbo®, our company is built on world-class insurance coverage. Our policy covers vacation homes, townhouses, condos, duplexes, cabins, cottages, apartments and more.  With expert vacation rental underwriters we can tailor a policy specific to your short-term rental property.

5-Minute Quote

One Policy Covers Both Commercial & Personal Use Of Your Vacation Rental

Short-term vacation rentals do not fit into one insurance category, so we worked in parallel with Lloyd’s of London to tailor a specialty policy that we now sell directly to vacation rental property owners in the U.S.

Coverholder at Lloyd's Transparent


HomeAway & Vrbo Exclusively Endorse Proper Insurance

Vrbo Insurance

HomeAway and Vrbo are world leaders in vacation rentals and have recognized Proper Insurance as their premier vendor for comprehensive short-term rental property and liability insurance.  Vacation rentals owners and their properties are at the core of the brands, and they wanted to make sure you and your property are protected.  Nothing is more important.

The Proper Insurance policy includes coverage enhancements no other insurance carrier offers, and had the vacation rental owner in mind during the development with Lloyd’s.  This HomeAway and Vrbo endorsement is a testament to the coverage and claims service provided.

Many other vacation rental industry companies recommend Proper, so learn more and visit our network page.

Proper Insurance
From Lloyd’s Of London

Lloyd’s is the world’s specialist insurance and reinsurance market, bringing together an outstanding concentration of underwriting expertise and talent.  It is often the first to insure emerging, unusual and complex risks.

Around 80 syndicates are underwriting insurance at Lloyd’s, covering all classes of business.  Together they interact with thousands of brokers daily to create insurance solutions for businesses in over 200 countries and territories around the world.  Lloyd’s insures the majority of FTSE 100 and Dow Jones industrial average companies.

Lloyd’s success has been built on its reputation for paying all valid claims.  The claims service provided to policyholders remains a cornerstone of the market’s business.”

  • Lloyd’s enjoys strong financial security supported by excellent ratings.  Visit Lloyd’s for detailed information.
  • Proper Insurance is a Coverholder at Lloyd’s. There are only 4,000 Coverholders in the world.
Airbnb Short Term Rental Insurance From Lloyds of London
Coverholder at Lloyd's Transparent

Insurance For Short-Term Vacation Rental Owners

The Proper Insurance policy replaces the property owners current homeowner’s (HO) or landlord (DP) policy.  It is written as a business policy, giving the short-term vacation rental owner comprehensive coverage for their building(s), contents, commercial business liability, and business income.  It also includes personal liability when the short-term or vacation rental “doubles” as the owner’s primary residence.

The challenge was quadruple use or occupancy of the properties; as most vacation rental properties are used for commercial short-term rental use, personal use, are at times unoccupied, and some have guests or tenants for over 30 days. With trademarked endorsements, the Proper Policy covers you and your property for all four uses.

Think of it as a homeowner’s policy, a landlord policy, and a business policy all wrapped into one!

It’s all-inclusive insurance that was custom-penned with Lloyd’s of London and covers the unique risks associated with short-term vacation rental properties. It’s the most comprehensive insurance available on the market today so you can have peace of mind.  Offered in all 50 states.

The Short-Term Vacation Rental Rule of 3

The team at Proper Insurance is a collaboration of individuals with 50+ years experience in niche insurance.  We have experts engaged at all levels of the vacation rental industry and understand the risks involved.  The Proper short-term rental insurance policy was written with one thing in mind, YOU, the property owner.  We currently insure vacation homes, duplexes, townhouses, condos, cabins, apartments, and more.  What are the risks and exposure involved and how do you properly insure them?


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.  What if a guest were to injure themselves while staying at your property?  What if you were found to be liable?  Maybe the shower was not thoroughly cleaned, and a guest slipped on soap scum?  Or worse, the vacation rental caught fire and resulted in a guest’s death. 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 the vacation rental owner is the actual property itself (building and contents). What if a guest were to accidentally start a fire and burn your property down? Or steal/damage your 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).  The reason Proper uses a commercial form is because there are no standard occupancy restrictions as in a homeowner’s policy.  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 building and contents.


Another big exposure you have is lost rental income, or business income. You have worked extremely hard to turn your property into an income generating short-term vacation rental business.  What if a tree fell on your roof and you could no longer rent your property for the summer?  Or worse, you had a total loss on the property as a result of a fire or hurricane?  You need to protect the income your vacation rental generates.  The Proper Insurance policy insures your vacation rental income as “actual loss sustained” with no time limit, what this means is you are only subject to the limit of insurance you choose for your insurance policy. Some owners only insure $10,000 while others elect to insure $250,000. It’s your choice as income varies significantly between owners.

Let’s Get You Properly Covered!

It only takes about 5-minutes to get a quote…

5-Minute Quote


Proper Insurance
14 W. Patrick Street #201
Frederick, MD 21701


Proper Insurance
1203 N. Rouse Ave, Suite #3D
Bozeman, MT 59715


Proper Insurance
14 W. Patrick Street #201
Frederick, MD 21701

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