Owners: Verify Your Insurance Coverage
It’s never been more important to verify your vacation rental insurance coverage. Short-term vacation rentals no longer fly under the radar and communities across the nation are passing laws and regulations, with specialty insurance often being a requirement. Large domestic insurers consider short-term renting a business transaction which means most owners don’t have adequate property or liability coverage.
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WHAT MAKES A PROPER POLICY?
Short-term vacation rentals don’t fit into one insurance category, so we developed a specialty short-term rental insurance policy that covers both commercial and personal use of your vacation rental.
Commercial Business Liability
Secure your biggest risk as a vacation rental owner—liability. The Proper policy uniquely offers the robust strength of Commercial General Liability protection (starting at $1M) whether an incident happens to your guest or because of them, on and off-premises.
Building & Contents Coverage
Protect your property and contents with the highest level of coverage, providing ‘new-for-old’ replacement cost at the time of loss. Plus, with no occupancy restrictions, your coverage is in place regardless of who you give the keys to and even during vacancy periods.
Business Revenue Protection
Retain your hard-earned income with Proper’s one-of-a-kind Business Revenue Coverage. If a covered claim prevents you from short-term renting your property, our policy covers ‘actual loss sustained’ with no time limit and up to the amount you choose.
EXCLUSIVE SHORT-TERM RENTAL INSURANCE ENHANCEMENTS
Opening your home to short-term vacation rental guests also invites several insurance risks. As short-term rental insurance specialists, we’ve spent years optimizing and enhancing our policy so you have protection for the most common and uncommon exposures STR owners face.
Property Entrustment
We protect you from theft, vandalism, and intentional or malicious damage caused by guests you rent your property to. This vital protection is excluded from standard Homeowners and Landlord insurance policies, leaving your property and contents exposed.
Pet & Animal Liability
Our policy covers Pet and Animal Liability, with no breed restrictions or animal exclusions. Standard policies often limit or exclude this protection, leaving you exposed to costly claims, like liability for dog bites—whether you allow pets in your rental or not.
Bed Bug & Flea Protection
Proper’s policy offers first-to-market Bed Bug and Flea protection. We cover liability, extermination costs, and lost revenue from canceled bookings , ensuring you’re protected from both the financial and operational impact these pests can cause.
Squatter Protection
Our first-of-its-kind Squatters Protection provides legal support and Lost Revenue Protection if a guest refuses to leave. With flexible work arrangements, temporary assignments, and mid-term stays becoming more popular, guests are booking rentals for 30+ days, raising concerns about tenant rights.
Amenities On & Off-Premises
Our policy provides Amenities Liability coverage so you’re protected wherever your guests go. Most policies exclude or limit liability coverage for vacation rental amenities that take guests off-premises, like bikes, kayaks, and golf carts and even common amenities like pools and hot tubs leave coverage gaps.
Liquor Liability
Proper includes Liquor Liability coverage—something all standard policies exclude. We understand people drink on vacation, so whether you’re offering wine in a welcome basket or dealing with left-behind liquor that ends up in the wrong hands of the next guests, you can be confident in your coverage.
KNOW YOU’RE COVERED
PROPER DEVELOPED SUPER AGENTS
Because we only service the vacation rental industry, our short-term rental insurance knowledge base is unrivaled. We are proud of our customer feedback and our outstanding agents who make it all possible.
“I called several companies to get a policy. All required multiple days to offer a solid quote. Several came back and couldn’t meet the limits requirement. Proper Insurance came through like rock stars! Same day quote. Same day binding (so we could meet our closing date) AND BY FAR best pricing and coverage offered.”
“Proper Insurance is who I trust after 10 years of renting. They have seen me (owner/manager) and my clients, whom I rent for, through good and bad. They are THE insurance for vacation rentals covering not just the home but $1M in liability (a huge issue for renting) also lost income due to damage to the home if issues make it unrentable. AND MOST IMPORTANTLY – they deliver on their promise, I have tested it.”
“Coverage for our mulit-layer Airbnb was proving VERY difficult to find. The major carriers were inconsistent about their understanding of the coverage, and few were misleading until we got on the phone with their underwriting departments. Ian Smith understood our situation immediately and comforted us about Proper being built specifically for these types of short-term rental situations.”
“Bob Bradley was very helpful and extremely responsive via email, phone and text in helping me identify the right coverage for my short-term rental in NC. He carefully reviewed all the options available with me and helped me choose the best policy that would suit my needs. I highly recommend anyone looking for STR insurance to go with Proper.”
“Ashley from Proper Insurance is the best insurance agent I have ever worked with. She is extremely responsive, reliable and efficient. She also goes the extra mile to structure my coverage for the best price possible. As a long time realtor and an owner of multiple short term rental properties, I highly recommend Ashley and Proper Insurance for all your rental property needs. The best of the best.”