Vacation rental insurance for homeowners
Replace your homeowners or landlord insurance with Proper Insurance®
A comprehensive Lloyd’s of London insurance policy
Coverage for building(s), contents, business income, and commercial liability
Developed for short-term vacation rental properties
Vacation homes – townhomes – duplexes – condos – cabins – apartments + more
Talk to an expert
888-631-6680 – All 50 states
Vacation rental insurance policy highlights
The Proper Insurance® policy replaces a 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 rental “doubles” as the owners primary residence.
All-inclusive insurance that is custom-penned with Lloyd’s of London for the unique risks of short-term vacation rental properties. It’s the most comprehensive insurance available today for vacation rental property owners. Available in all 50 states.
- Underwritten by Lloyd’s of London, AM Best’s Rated A
- Commercial Package Policy: coverage for building(s), contents, liability, and income
- No vacancy or standard occupancy restrictions as found on homeowner’s and dwelling policies
- Sole Props, Corporations, Partnerships, LLC’s, Trusts, accepted as named insureds
- Designed to entirely replace the current coverage on the property
- All 50 states
- $1,000,000/$2,000,000 in commercial general liability (business liability)
- $1,000,000 in personal and advertising injury
- Liability continued over amenities: swimming pools, hot tubs, bicycles, small watercraft, rec areas + more
- Enhancement coverage for animal/pet, liquor, assualt/battery, abuse, molestation, and invasion of privacy
Building & Contents
- Special cause of loss (all-risk) with replacement cost valuation
- Enhancement coverage for damage to the building(s) and contents caused by a guest, including theft
- No limit on damage caused by a renter
- Any coverage limit
- No limit on theft
- Special cause of loss (all-risk) with actual loss sustained valuation
- Pays on revenue vs income
- Any coverage limit
- No time limit
Proper Insurance® client reviews
It’s about time a company bridged the gap between homeowners insurance and commercial insurance. Within three months, I had to file a claim and there were zero issues getting a check in a timely manner. They’ve been nothing but perfect!Mikel Hubbard
I am very impressed with the service I just received from Proper Insurance. We only had the home a few months and already filed a claim from a freak accident (swag lap broke and fell on our renters computer and broke it). We paid out of pocket to our renters for the computer and filed a claim. Proper Insurance went above and beyond. Very happy with the resolution.Denean Koren
We’ve had a great experience with Proper Insurance. We had difficulty finding affordable homeowners insurance that covered our VRBO. They’ve been tremendous to work with – prompt responses and importantly, a fair claim check after we had storm damage. We recommend them to everyone.Katherine Harley
Short-term vacation rental 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.”
We encourage you to read our vacation rental insurance claims reviews.
- 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.
The rule of 3 for short-term vacation rentals
The team at Proper Insurance® is a collaboration of individuals with 30+ years experience in niche insurance. We have experts engaged at all levels of the vacation rental industry and understand the risks involved. The Proper vacation rental insurance policy was written with one thing in mind, YOU, the property owner. What are the risks and exposure involved and how do you properly insure them? We currently insure vacation homes, duplexes, townhouses, condos, cabins, apartments, and much more.
Proper Insurance® property manager reviews
I very much recommend the service that’s provided by Proper Insurance Services, LLC. Multiple associates, including myself, have been working with Ashley Price over at Proper Insurance for several years now. Her expertise and attentiveness toward working with our clients, and myself comes second to none. Ashley brings a level of professionalism by delivering upon our high expectations over here at Vacation Palm Springs. Even more importantly, Ashley exceeds our clients expectations time after time with her promptness and knowledge of the insurance industry.
I’ve had dozens of my clients inform me that Ashley makes the process of acquiring the “proper insurance” for their short-term vacation rental property easy and seamless. I definitely recommend Ashley Price over at Proper Insurance for three main reasons: she does an excellent job, she’s always punctual, and she offers our clients a competitive rate.
The level of service that Ashley Price delivers for our clients makes it extremely easy for me to recommend her and Proper Insurance, LLC. for the property protection that you’re looking for.Nathan Jordan - Business Development, Vacation Palm Springs by Wyndham Vacation Rentals
Here at SeaBreeze Vacation Rentals, we proudly manage some of the most beautiful properties in San Diego county. When our owners ask us about insurance, we exclusively recommend Cade Bachman at Proper Insurance. Cade’s knowledge, service, and charisma has consistently impressed our owners – who deserve a high level of service. Bottom line, Proper has the best policy in the U.S., their customer service is great, and they protect our commission income if our owners have a claim. We at SeaBreeze look forward to working with Proper Insurance for years to come.Jonah Mechanic - Founder, SeaBreeze Vacation Rentals
Our clients love Proper Insurance. Many of them are not aware of the limitations of their current insurance, and getting them in touch with Proper has solved all and any concerns and questions they had. It’s the ultimate peace of mind to know that, no matter what happens, no matter how many guests go in and out of their property, things will be in good hands, should any problems ever arise. A life saver for them – and us.Markus Scharnowski - Founder, GoNitely