FREQUENTLY ASKED QUESTIONS

Short-Term Rental Basics

What is a short-term rental?

How long of a stay is considered short-term?

Is a short-term rental considered a business?

Insurance for Short-Term Rentals

What does it mean to “verify” my insurance?

How do I verify my insurance?

What’s the best way to protect a short-term rental?

If I insure my short-term rental as a business, can I also stay there?

If I have Airbnb’s free AirCover Host Damage Protection, why do I need short-term rental insurance? 

Can I be held liable for incidents or accidents off my property line that happen to my guests or because of my guests?  

Standard Policies vs. Short-Term Rental Coverage

Do I keep my Homeowners or Dwelling/Landlord policy in place and get the Proper Insurance policy?

Why isn’t my Homeowners insurance enough for short-term renting

Why does my Homeowners policy not cover my short-term rental?  

Why are Home-Sharing Endorsements from domestic U.S. insurers so inexpensive?

Does Dwelling/Landlord insurance work for a short-term rental?

Will my Personal Umbrella policy cover incidents at my short-term rental?

Proper Insurance Specifics

My short-term rental is also my primary residence. Can I still insure my property under the Proper policy?

What is Proper Insurance’s reputation in the short-term rental industry?   

What is the insurance rating of Proper’s Underwriters? 

What can I expect during a coverage comparison with Proper Insurance? 

What is provided in a coverage consultation and risk assessment with Proper Insurance?  

If you have any further questions about short-term rental insurance, please call us at 888-631-6680 to speak with a Proper Insurance Super Agent about your unique rental scenario or schedule a time that works for you.

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