Short-Term Rental Insurance | Vacation Home & Vrbo Property Coverage Updated

As part of its expanded coverage plans, Proper Insurance offers policies designed to ensure protection from intentional damage caused by renters, such as fire, vandalism, or theft. This type of coverage comprehensively protects a short-term rental property that a homeowners’ or landlord’s insurance plan fails to address.

More information is available at

Following the announcement, Proper Insurance now offers short-term rental owners a specialized insurance policy that covers unique risks associated with vacation rental businesses. “Most owners of short-term rental properties are not aware their homeowners or landlord insurance does not adequately cover Airbnb and Vrbo exposure. When you entrust your property to a paying short-term rental guest, giving them the keys to your house, insurance contracts begin to break down, and big gaps in coverage exist,” a company spokesperson says.

Proper Insurance provides short-term rental property owners with commercial package policies. Since rental homes are businesses that allow guests to stay in them, they are no different than a hotel which means they are subject to the same hospitality laws stipulated in commercial or business insurance. The company’s policies are tailored to meet the needs of the industry and protect owners from liability claims, property damage, and lost business income.

These policies adequately replace existing homeowners (HO) or landlord (DP) coverage. Besides liability coverage, they provide owners with protections against loss (all-risk) for the building and its contents, as well as liquor, pet, and bed bugs liability coverage. The insurance policies also extend liability coverage to amenities such as pools, hot tubs, bicycles, exercise equipment, and many others.

Proper Insurance employs experienced vacation rental underwriters who deliver customized policies specific to different kinds of short-term rental properties. The product is suitable for property owners maintaining vacation homes, townhouses, condos, duplexes, cabins, cottages, and apartments.

Proper Insurance is endorsed by vacation rental frontrunner Vrbo and backed by Lloyd’s of London, the leading insurance specialist serving short-term rental hosts in over 200 counties and territories.

According to a satisfied Proper Insurance customer, “I have had a great experience as a Proper Insurance customer. The previous policy I had would not have covered the loss. My family and I are thankful it exists.”

Additional details can be found at

Proper Insurance(R)
1203 North Rouse Avenue
United States

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