# Proper Insurance®

> Short-Term Rental Insurance Designed for Airbnb & Vrbo Owners

---


## Pages

- [Rent to Retirement](https://www.proper.insure/promo/rtr/)
- [Proper’s Exclusive Squatters Insurance Enhancement ](https://www.proper.insure/coverages/squatters-insurance/)
- [Proper’s Bed Bug & Flea Insurance Enhancement ](https://www.proper.insure/coverages/bed-bug-and-flea-protection/)
- [Proper’s Unique Property Entrustment Enhancement ](https://www.proper.insure/coverages/property-entrustment/)
- [Proper’s Robust Liquor Liability Enhancement ](https://www.proper.insure/coverages/liquor-liability/)
- [Proper’s Specialty Pet & Animal Liability Enhancement ](https://www.proper.insure/coverages/pet-and-animal-liability/)
- [Proper’s Amenities Liability Coverage: On & Off the Property ](https://www.proper.insure/coverages/amenities-on-and-off-premises/)
- [BiggerPockets](https://www.proper.insure/promo/biggerpockets/)
- [Property Manager Webinar Request](https://www.proper.insure/property-manager-webinar-request/)
- [Wister](https://www.proper.insure/wister/)
- [Promo](https://www.proper.insure/promo/)
- [Swimply](https://www.proper.insure/swimply/)
- [Breezeway](https://www.proper.insure/network/breezeway/)
- [Blog](https://www.proper.insure/blog/)
- [LEADING PROVIDER OF STR INSURANCE in U.S.A.](https://www.proper.insure/str-insurance-available-in-all-50-states/)
- [Rental Arbitrage Insurance [The Best Coverage in 2025]](https://www.proper.insure/rental-arbitrage-insurance/)
- [How Airbnb Liability Insurance Helps You as a Landlord](https://www.proper.insure/airbnb-liability-insurance/)
- [LP - Job App - Account Executive Details](https://www.proper.insure/proper-insurance-account-executive-careers/)
- [Proper Insurance Information Request](https://www.proper.insure/proper-insurance-information-request/)
- [Revisit Your Quote](https://www.proper.insure/revisit-your-quote/)
- [Specialty Insurance Coverage Is Needed For Your Airbnb Rental Property](https://www.proper.insure/airbnb-insurance-for-owners/)
- [Thank You](https://www.proper.insure/blog-thank-you/)
- [Thank You](https://www.proper.insure/thank-you-contact/)
- [Thank You](https://www.proper.insure/pm-thank-you/)
- [Thank you - Revist Quote](https://www.proper.insure/thank-you-quote/)
- [Thank you](https://www.proper.insure/thank-you/)
- [Vrbo®](https://www.proper.insure/vrbo/)
- [Client Discounts](https://www.proper.insure/client-discounts/)
- [Property Manager Application Form](https://www.proper.insure/property-manager-application-form/)
- [Careers](https://www.proper.insure/careers/)
- [Here’s Why Not Having an Airbnb Insurance Provider Could Cost You Big](https://www.proper.insure/airbnb-insurance-provider/)
- [Vrbo Insurance for Owners in 2025: Get Better Coverage](https://www.proper.insure/vrbo-insurance/)
- [Short-Term Rental Insurance [A Homeowner's Guide in 2025]](https://www.proper.insure/short-term-rental-insurance/)
- [Vacation Rental Insurance in 2025: Get Complete Protection](https://www.proper.insure/vacation-rental-insurance/)
- [Home Sharing Insurance [The Best Protection in 2025]](https://www.proper.insure/home-sharing-insurance/)
- [Commercial Liability Insurance](https://www.proper.insure/commercial-liability-insurance/)
- [Airbnb Insurance for Hosts in 2025 [Get Dynamic Coverage]](https://www.proper.insure/airbnb-insurance/)
- [Proper Insurance In The Press](https://www.proper.insure/press/)
- [Privacy](https://www.proper.insure/privacy/)
- [Agents](https://www.proper.insure/agents/)
- [Network](https://www.proper.insure/network/)
- [A Transfer of Risk](https://www.proper.insure/a-transfer-of-risk/)
- [Meet Our Agents](https://www.proper.insure/meet-our-agents/)
- [You Are Purchasing A Future Claims Experience](https://www.proper.insure/a-future-claims-experience/)
- [Proper Insurance Reviews](https://www.proper.insure/proper-insurance-reviews/)
- [Frequently Asked Questions](https://www.proper.insure/faq/)
- [Property Managers Map](https://www.proper.insure/property-managers-map/)
- [Meet Proper Insurance](https://www.proper.insure/meet-proper-insurance/)
- [Property Managers](https://www.proper.insure/property-managers/)
- [Contact Us](https://www.proper.insure/contact-proper-insurance/)
- [Short-Term Rental Insurance For Airbnb & Vrbo Owners](https://www.proper.insure/)

---


---


## Posts

- [Airbnb Superhost vs Guest Favorite: What’s the Difference?](https://www.proper.insure/blog/airbnb-superhost-vs-guest-favorite/)
- [Are You Truly Covered? The Hidden Risks of Short-Term Rental Insurance](https://www.proper.insure/blog/hidden-risks-of-short-term-rental-insurance/)
- [Pool Safety Standards Every Vacation Rental Host Should Know](https://www.proper.insure/blog/vacation-rental-pool-safety-standards/)
- [Airbnb Services and Insurance: What Hosts Should Know About Increased Liability and Property Risks](https://www.proper.insure/blog/airbnb-services-and-insurance-what-hosts-should-know-about-increased-liability-and-property-risks/)
- [Waterfront Vacation Rental Safety Concerns Every Host Should Know](https://www.proper.insure/blog/waterfront-vacation-rental-safety-concerns/)
- [A $130k Mistake: A Real Short-Term Rental Insurance Claim](https://www.proper.insure/blog/how-proper-saved-a-water-damage-claim/)
- [How to Prep Your Short-Term Rental for Peak Summer Season](https://www.proper.insure/blog/summer-essentials-prepping-your-short-term-rental-for-the-busy-season/)
- [Maximizing Airbnb Tax Write-Offs: What You Can Deduct on a Vacation Rental Property](https://www.proper.insure/blog/tax-write-offs-short-term-rental/)
- [How to Prepare Your Home for the Short-Term Rental Market: A Complete Guide ](https://www.proper.insure/blog/preparing-your-home-as-a-short-term-rental-airbnb/)
- [6 Ways to Prevent Legionnaires’ Disease in Short-Term Rental Hot Tubs | Safety Guide](https://www.proper.insure/blog/prevent-legionnaires-disease-in-str-hot-tub/)
- [Does Homeowners Insurance Cover Vacation Rental Properties?](https://www.proper.insure/blog/does-homeowners-cover-short-term-rentals/)
- [Don’t Stay for Long: An Essential Guide for New Airbnb Hosts](https://www.proper.insure/blog/new-airbnb-host-how-to-guide/)
- [Swimply Announces Comprehensive Insurance Option for Home Sharing Hosts](https://www.proper.insure/blog/swimply-insurance-coverage-for-hosts/)
- [Has Rental Arbitrage Ushered in a New Era of Real Estate Investing?](https://www.proper.insure/blog/rental-arbitrage-investment/)
- [Top 2025 Short-Term Rental Conferences to Attend & STR Events Tracker](https://www.proper.insure/blog/best-short-term-rental-conferences/)
- [Achieve Cold-Season Success: Prep Your Short-Term Rental for Winter](https://www.proper.insure/blog/essential-home-maintenance-tasks-to-tackle-before-winter/)
- [Is Your Policy Really Protecting You? How to Know If You’re Misinsured](https://www.proper.insure/blog/are-you-misinsured-aligning-insurance-coverage-with-risks-of-gig-sharing-economy/)
- [The Biggest Risks Faced by Airbnb Hosts & How to Best Manage Them](https://www.proper.insure/blog/the-biggest-risks-faced-by-airbnb-hosts-how-to-best-manage-them/)
- [Smart Home Devices That Reduce Your Short-Term Rental Risks](https://www.proper.insure/blog/best-smart-home-devices-for-your-airbnb-vacation-rental/)
- [The Importance of 'Loss of Business Income' for Your Short-Term Rental](https://www.proper.insure/blog/the-importance-of-loss-of-business-income-for-your-short-term-rental/)
- [Home Insurance for Airbnb Owners: Protection beyond the beam and brick](https://www.proper.insure/blog/home-insurance-for-airbnb-property/)
- [When Guests Refuse to Leave: How to Prevent an Airbnb Squatter at Your Vacation Rental](https://www.proper.insure/blog/how-to-prevent-an-airbnb-squatter/)
- [Creating the Ultimate Insurance Stack for Your Short-Term Rental Business](https://www.proper.insure/blog/creating-the-ultimate-insurance-stack-for-your-short-term-rental-business/)
- [Offering Short-Term Rental Guests a Direct Booking Option: Tips for Increasing Your Property's Exposure](https://www.proper.insure/blog/offering-a-direct-booking-option-to-short-term-rental-guests/)
- [Game Plan: Setting Up Your Short-Term Rental for Super Bowl Success](https://www.proper.insure/blog/how-to-prepare-for-your-short-term-rental-superbowl-guests/)
- [Best Insurance for Airbnb Hosts](https://www.proper.insure/blog/best-insurance-for-airbnb-hosts/)
- [Unpacking the Cost: Is Proper Insurance Worth It for Short-Term Rental Owners?](https://www.proper.insure/blog/how-much-does-short-term-rental-insurance-cost/)
- [Vacation Rental Liability: What Every Owner Needs To Know](https://www.proper.insure/blog/vacation-rental-liability/)
- [The Death of the Insurance Agent: Why Understanding Insurance is a Must for Short-Term Rental Investors](https://www.proper.insure/blog/insurance-education-for-short-term-rental-investors/)
- [Offering a Hot Tub or Sauna at Your Airbnb? Consider This.](https://www.proper.insure/blog/should-i-have-a-hot-tub-at-my-airbnb/)
- [Do I Need to Change Insurance if I Short-Term Rent My Home?](https://www.proper.insure/blog/do-i-need-short-term-rental-insurance/)
- [Airbnb Superhost Left Homeless with Guest-Damaged Townhome and Massive Debt](https://www.proper.insure/blog/pregnant-airbnb-host-left-homeless-and-in-debt-after-guest-caused-flooding/)
- [Should I Allow Pets at My Short-Term Rental?](https://www.proper.insure/blog/pros-and-cons-of-allowing-pets-at-your-rental/)
- [Introducing Flea Coverage: The Latest Addition to Proper Insurance's Comprehensive Short-Term Rental Policy](https://www.proper.insure/blog/flea-coverage-for-short-term-rental-owners/)
- [Understanding the Intricacies of Rental Arbitrage: A Guide for Beginners](https://www.proper.insure/blog/what-is-rental-arbitrage/)
- [A Guide to Mid-Term Rentals for Short-Term Rental Owners](https://www.proper.insure/blog/guide-to-mid-term-rentals/)
- [Understanding When a Guest Becomes a Tenant](https://www.proper.insure/blog/when-does-a-guest-become-a-tenant/)
- [What Every Host Needs at the Top of Their Short-Term Rental Checklist](https://www.proper.insure/blog/short-term-rental-checklist-safety-standards/)
- [Airbnb Host Damage Protection: A Definitive Guide](https://www.proper.insure/blog/airbnb-host-damage-protection/)
- [Don't Lose Sleep Over Bed Bugs: What insurance company covers bed bugs at short-term rental properties?](https://www.proper.insure/blog/bed-bug-coverage-proper-insurance-offers-another-industry-first/)
- [Equipment Breakdown Coverage Now Offered By Proper Insurance](https://www.proper.insure/blog/airbnb-equipment-breakdown-coverage/)
- [Taking the Shot—How to Optimize Your Airbnb Photography](https://www.proper.insure/blog/how-to-optimize-your-airbnb-photography/)
- [What is Property Entrustment? The Importance of Choosing an Insurance Policy for Short-Term Rentals](https://www.proper.insure/blog/why-property-entrustment-is-so-important-for-hosts-to-understand-when-choosing-an-insurance-policy/)
- [Struggling To Obtain a Loan for Your Short-Term Rental Business? Host Financial Can Help.](https://www.proper.insure/blog/struggling-to-obtain-a-loan-for-your-short-term-rental-business-host-financial-can-help/)
- [Starting Your Luxury Vacation Rental Business – Exclusive Interview with Ellie Paget of HomeSlice Stays](https://www.proper.insure/blog/starting-your-luxury-vacation-rental-business/)
- [Interested in Becoming a Property Manager? Here’s What You Can Expect](https://www.proper.insure/blog/a-property-managers-roles-and-responsibilities-explained/)
- [A Flunking Grade (F-50%) For U.S. Home Insurance Carrier Reviews](https://www.proper.insure/blog/a-flunking-grade-f-50-for-u-s-home-insurance-carrier-reviews/)
- [Surveillance is a Bad Look for the Vacation Rental Industry](https://www.proper.insure/blog/airbnb-security-cameras/)
- [How to Find the Right Short-Term Rental Space](https://www.proper.insure/blog/how-to-find-the-right-short-term-rental-space/)
- [A Guide to Financing Vacation Rentals](https://www.proper.insure/blog/a-guide-to-financing-vacation-rentals/)
- [Airbnb's AirCover Protection: An Honest Examination](https://www.proper.insure/blog/airbnb-aircover-protection/)
- [Man Drowns at Vacation Rental Due to Owner Negligence. Family Calls for Waterfront Safety Regulations.](https://www.proper.insure/blog/man-drowns-at-vacation-rental-owner-negligence/)
- [When and How to Upgrade Your Short-Term Rental Property](https://www.proper.insure/blog/when-and-how-to-upgrade-your-short-term-rental-property/)
- [Proper Partners with Futurestay – The Industry’s Leading Booking Platform](https://www.proper.insure/blog/proper-partners-with-futurestay-the-industrys-leading-booking-platform/)
- [Your Guide to Purchasing a Second Investment Property](https://www.proper.insure/blog/your-guide-to-purchasing-a-second-investment-property/)
- [Wildlife Safety at Your Vacation Rental](https://www.proper.insure/blog/wildlife-safety-at-your-vacation-rental/)
- [How Remote Work is Changing the Property Rental Industry](https://www.proper.insure/blog/remote-work-is-changing-the-short-term-rentals/)
- [How To Turn Your Residential Property Into a Lucrative Short-Term Rental Hot Spot](https://www.proper.insure/blog/how-to-turn-your-residential-property-into-a-lucrative-short-term-hot-spot/)
- [Increasing and Securing Your STR Revenue Stream](https://www.proper.insure/blog/increasing-and-securing-your-str-revenue-stream/)
- [How to Attract and Keep the Best Tenants and Guests](https://www.proper.insure/blog/attract-and-keep-the-best-tenants-and-guests/)
- [Financial Breakdown: Becoming an Airbnb Host](https://www.proper.insure/blog/the-finances-of-becoming-an-airbnb-host/)
- [Five Areas in Your Vacation Rental You Should Check Regularly](https://www.proper.insure/blog/vacation-rental-checklist/)
- [Vacation Rental Safety: Handrails and Guardrails](https://www.proper.insure/blog/vacation-rental-safety-handrails-and-guardrails/)
- [Top 3 Questions to Ask Your Broker about Short-Term Vacation Insurance](https://www.proper.insure/blog/what-to-ask-your-broker-about-vacation-rental-insurance/)
- [How to Pick a Short-Term Rental Property Manager](https://www.proper.insure/blog/how-to-pick-a-short-term-rental-property-manager/)
- [Making Vacation Rental Safety a Top Priority](https://www.proper.insure/blog/safety-the-most-overlooked-aspect-of-maintaining-a-vacation-rental-property/)
- [Short-Term Rental Industry Highlights with Darren Pettyjohn - an Interview on The Invited Guest](https://www.proper.insure/blog/short-term-rental-industry-highlights-with-darren-pettyjohn-an-interview-on-the-invited-guest/)
- [How to Properly Insure Your Short-Term Rental: An Interview on Short-Term Rental Insurance with Darren Pettyjohn](https://www.proper.insure/blog/how-to-properly-insure-your-short-term-rental-an-interview-on-short-term-rental-insurance-with-darren-pettyjohn/)
- [COVID-19 Relief Options for Short-Term Rental Hosts and Property Managers](https://www.proper.insure/blog/covid-19-relief-options-for-short-term-rental-hosts-and-property-managers/)
- [Five Need-To-Know Tips for Buying a Vacation Home](https://www.proper.insure/blog/5-tips-for-buying-a-vacation-home/)
- [What Is The Vacancy Clause?](https://www.proper.insure/blog/what-is-the-vacancy-clause/)
- [Everything You Need to Do Before Becoming a Vacation Rental Host](https://www.proper.insure/blog/everything-you-need-to-do-before-becoming-an-vacation-rental-host/)
- [What Claim Are You Most Likely to Encounter at Your Short-Term Rental?](https://www.proper.insure/blog/which-claim-are-you-most-likely-to-encounter-as-a-host-in-2020/)
- [Four Steps to Becoming a Professional Short-Term Rental Host](https://www.proper.insure/blog/4-steps-to-becoming-a-professional-short-term-rental-host/)
- [Four Key Questions to Ask a Short-Term Rental Insurance Provider](https://www.proper.insure/blog/top-4-questions-to-ask-an-insurance-provider-in-the-short-term-rental-space/)
- [How to Protect Your Short Term Rental Business: Navigating the Risk of Party Houses](https://www.proper.insure/blog/how-to-protect-your-short-term-rental-business-navigating-the-risk-of-party-houses/)
- [How to Set Your Home Up to Be a Rental Property](https://www.proper.insure/blog/how-to-set-up-your-home-to-be-a-rental-property/)
- [It’s OK to Say No: Turning Down Potential Short-Term Renters](https://www.proper.insure/blog/its-ok-to-say-no-turning-down-potential-short-term-renters/)
- [Short-Term Renting is a Good Money-Making Strategy](https://www.proper.insure/blog/short-term-renting-is-a-good-money-making-strategy/)
- [Survey Shows Guest Injury is a Top Concern for Airbnb Hosts](https://www.proper.insure/blog/airbnb-host-concerns-guest-injury/)
- [An Airbnb Nightmare Come True: What if this was your property?](https://www.proper.insure/blog/an-airbnb-nightmare-come-true-what-if-this-were-your-property/)
- [Coffee Makers Can Help Your Guests Feel at Home](https://www.proper.insure/blog/coffee-makers-can-help-your-guests-feel-at-home/)
- [Do You Know Who Is Staying in Your Vacation Rental?](https://www.proper.insure/blog/do-you-know-who-is-staying-in-your-vacation-rental/)
- [Keep in Touch with Your Short-Term Rental Guests – and Keep Them Coming Back](https://www.proper.insure/blog/keep-in-touch-with-your-short-term-rental-guests-and-keep-them-coming-back/)
- [Homestay Host Insurance](https://www.proper.insure/blog/homestay-host-insurance/)
- [Homestay Insurance](https://www.proper.insure/blog/homestay-insurance/)
- [Airbnb Insurance Issues](https://www.proper.insure/blog/airbnb-insurance-issues/)
- [Airbnb Host Protection](https://www.proper.insure/blog/airbnb-host-protection/)
- [Are You Actually Protected? 5 Important Things Every Host Needs to Understand About the $1M Airbnb Host Guarantee.](https://www.proper.insure/blog/are-you-actually-protected-5-important-things-every-host-needs-to-understand-about-the-1m-airbnb-host-guarantee/)
- [Airbnb Dispute Over 1.8 Million Dollar Home in Flames](https://www.proper.insure/blog/airbnb-dispute-over-1-8-million-dollar-home-in-flames/)
- [$11.6 Million Verdict Against Short-Term Rental Owner](https://www.proper.insure/blog/11-6-million-verdict-against-short-term-rental-owner/)
- [Is Your Vacation Rental Up-to-Date With Security Technology?](https://www.proper.insure/blog/is-your-vacation-rental-up-to-date-with-security-technology/)
- [How To Establish Ground Rules with Demanding Guests: Airbnb Hosting Tips](https://www.proper.insure/blog/establish-ground-rules-with-overly-demanding-guests/)
- [A Case Study: "Business Income - Property Managers Commission"](https://www.proper.insure/blog/a-case-study-business-income-property-managers-commission/)
- [Airbnb Modifies Their Host Protection Guarantee](https://www.proper.insure/blog/airbnb-modifies-their-host-protection-guarantee/)
- [Hiring the Right Property Manager & Protecting Your Vacation Rental](https://www.proper.insure/blog/hiring-the-right-property-manager-protecting-your-vacation-rental/)
- [How to Prepare Your Home for the Short-Term Rental Market](https://www.proper.insure/blog/how-to-prepare-your-home-for-airbnb/)
- [The Big Three: Understanding Insurance Options for Short-Term Vacation Rentals](https://www.proper.insure/blog/the-big-three-understanding-the-short-term-vacation-rental-market/)
- [Reduce the Likelihood of a Liability Claim at Your Vacation Rental](https://www.proper.insure/blog/reduce-the-likelihood-of-a-liability-claim-at-your-vacation-rental/)
- [Fresh Products in the Vacation Rental Industry Mean Less Worrying](https://www.proper.insure/blog/fresh-products-in-the-vacation-rental-industry-mean-less-worrying/)
- [Which Rental Renovations Make the Most Sense?](https://www.proper.insure/blog/which-rental-renovations-make-the-most-sense/)

---