Proper Insurance is one of the Nation’s leading vacation rental insurance providers, with over 100,000 policies written in all 50 states. They’ve custom penned one of the most comprehensive policies on the market and offer protection for your property, income, host liability, equipment breakdown, amenity liability (bikes, kayaks, hot tubs, etc.), theft, vandalism, bed bugs, squatters and more.

Policy Highlights

  • Building and Contents – Special cause of loss (all-risk), replacement cost (new for old)
  • Liability – $1,000,000/$2,000,000 in commercial general liability
  • Income – Actual loss sustained business income coverage with no time limit


Contact Proper for a custom insurance quote.  Get an online quote in minutes or call for an expert consultation.  Their insurance experts provide FREE no obligation coverage comparisons.


Types of Insurance Available:

  • Short-Term Rental Insurance – A Commercial Homeowners Policy. Think of it as a homeowner’s policy, a landlord policy, and a business policy all wrapped into one.


Types of Coverage Offered:

  • Commercial Business Liability
    • $1,000,000 standard occurrence limit, with $2,000,000 available in general aggregate
    • Commercial Liability extends to amenities on and off pre
    • Liability is enhanced for incidents involving pets/animals, liquor, personal & advertising injury with the invasion of privacy, communicable disease, and more.
    • No limitations on assault, battery, or molestation
    • Continues over amenities such as bicycles, golf carts, hot tubs, pools, fishing, rec areas, small watercraft, and more
    • Additional $1,000,000 in personal liability when rental “doubles” as a primary residence


  • Building and Contents Coverage
    • Special Form ‘All-Risk’ Cause of Loss (Building & Contents)
    • Replacement Cost Valuation (Building & Contents)
    • No limit on theft or damage caused by a guest, whether accidental or intentional damage (vandalism)
    • Vacant or Unoccupied
    • Water damage subject to your building limit
    • Back-up sewers and drains coverage up to $25,000
    • Complete ordinance or law (optional)
    • Bed Bug Extermination & Business Revenue – No Deductible
    • Squatters & Eviction Expenses Plus Business Revenue – No Deductible
    • Loss assessment
    • Debris removal
    • Unscheduled structures


  • Business Revenue Protection
    • Paid on an ‘actual loss sustained’ valuation
    • Reimburses lost revenue vs. lost income
    • No time limit on coverage payout
    • Only subject to the limits you choose


  • Special Enhancement Coverages
    • Property Entrustment – Most insurance policies exclude theft, vandalism, and intentional or malicious damages to your home and contents due to entrusting your property to another party. Proper’s custom enhancement removes this limitation, so full property coverage applies as an STR.
    • Bedbug Infestation – Proper provides comprehensive Bed Bug Protection. Their coverage includes protection for general commercial liability, extermination costs, and loss of business revenue.
    • Liquor Liability – This policy covers bodily injury and property damage arising from the selling, serving, or furnishing of liquor/alcohol. However, there is no such coverage if you are legally required to have a license or permit to sell, serve, or furnish liquor/alcohol.
    • Squatters – Proper’s Squatter protection covers Loss of Business Revenue and the legal fees incurred when removing the squatter from your STR.
    • Pet and Animal Liability – This policy covers bodily injury and property damage from animals/pets. This coverage is provided on and off the premises and has no special breed exclusions.
    • Amenities On & Off Premises Liability – This policy provides coverage for bodily injury and property damage resulting from many popular amenities provided on and off the premises, such as swimming pools, hot tubs, ponds, saunas, docks/piers, exercise equipment, bicycles, paddle boards, kayaks, small watercraft, fishing, cross country skiing and more. (Amenities are subject to underwriting and safety guidelines – be sure to discuss your offered amenities with your account representative.)


Mobile App – No

Customer Support:

  • Phone
  • Email


  • At Proper, they have what’s called in-house claims administration, which means they administer the claim from start to finish themselves and do not use a third-party administrator.  The Proper Insurance Claims Department strives to create a seamless experience and get checks issued as soon as possible, as their sole interest is with the insured.
  • Proper is a cover holder for Lloyd's of London; this means that insurance policies written and bound by Proper also carry the backing of Lloyd's of London.  Be aware that Proper manages claims as opposed to Lloyd's of London.
  • Proper has an A+ rating with the Better Business Bureau.
  • Proper was specifically created to serve the needs of short-term vacation rental property owners.
  • Proper will make a free policy comparison.


  • Proper strives to provide ‘best in class" coverage for your business, which can come at a cost. As a vacation rental owner, you are a business owner; therefore, you need business insurance which can come at a higher cost than a regular homeowners policy. Be sure to read the details of the insurance quotes you receive from other companies and compare the coverages and exclusions.
  • The language of Proper policies could be written in a more customer-friendly manner. Compared to other companies we’ve reviewed, Proper’s policies can be especially wordy.

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