Our short-term rental insurance policy was created to replace the property owner’s current Homeowners (HO) or Landlord (DP) insurance policy. It is written as a commercial business policy, giving the short-term vacation rental owner comprehensive coverage for their building(s), contents, commercial business liability, and lost business revenue. It also includes personal liability when the short-term or vacation rental “doubles” as the owner’s primary residence, which is the case for many Airbnb and Vrbo hosts. The Proper short-term rental insurance policy is in a category of its own.

The challenge was quadruple occupancy of the properties, as most short-term rental properties have short-term and mid-term rental uses, are used personally by the owner, and even have times of no occupancy.

Proper’s short-term rental insurance policy combines a homeowner’s policy, a landlord policy, and a business policy.

Its all-inclusive short-term rental insurance custom-penned with Lloyd’s of London and Concert Specialty and covers the unique risks associated with short-term vacation rental properties. It’s the most comprehensive short-term rental insurance an Airbnb or Vrbo owner can purchase, and it’s offered in all 50 states.