SHORT-TERM RENTAL INSURANCE IN IOWA
Replace your current homeowners or landlord policy with Proper Insurance, the leading provider of short-term rental insurance in Iowa, offering the most comprehensive policy on the market.
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The Importance of Short-Term Vacation Rental Insurance in Iowa
Welcome to Iowa, the Hawkeye State, where short-term rentals offer a gateway to the state’s scenic countryside, charming small towns, and rich agricultural heritage. From the rolling hills of the Loess Hills region to the tranquil waters of the Mississippi River, the historic sites of Des Moines to the cultural attractions of Iowa City, Iowa’s short-term rental market provides diverse experiences for travelers.
Short-term rental property owners and Airbnb/Vrbo hosts in Iowa encounter a unique set of challenges, from storm damage in the Tornado Alley regions to liabilities associated with guest injuries during the icy winter months, or the risk of theft or guest-caused damage in bustling urban centers such as Des Moines or Cedar Rapids, these varied situations underscore the need for comprehensive short-term rental insurance coverage.
The Proper Insurance policy protects your Iowa property, business income, and business liability, customized to include coverage for guest-caused theft/damage, liquor liability, amenity liability (pools, hot tubs, bicycles, etc.), bed bugs, squatters insurance, wildlife encounters, and more. Replace the Homeowners or Landlord policy on your short-term rental with a short-term rental policy built for it.
Proper Insurance proudly protects short-term rental properties in the following Iowa cities and towns: Des Moines, Ankeny, Arnolds Park, Moravia, Clear Lake, Iowa City, Adel, Ames, Bellevue, Cedar Rapids, Coon Rapids, Dubuque, Hampton, Knoxville, Long Grove, Pella, Pleasant Hill, Solon, Storm Lake, Windsor Heights, and more.
Short-Term Rental Laws and Regulations in Iowa
Iowa’s approach to short-term rental regulations varies across counties and municipalities, reflecting the state’s diverse landscapes and communities. To operate legally and provide a seamless experience for your guests, it’s crucial to understand the local ordinances that apply to your specific location. Learn about the requirements related to insurance, registration, taxes, occupancy limits, and safety standards in our guide on Iowa short-term rental laws and regulations.
WHAT MAKES A PROPER POLICY?
Short-term vacation rentals don’t fit into one insurance category, so we developed a specialty short-term rental insurance policy that covers both commercial and personal use of your vacation rental.
Commercial Business Liability
Secure your biggest risk as a vacation rental owner—liability. The Proper Policy carries Commercial General Liability ($1M standard, $2M optional), designed to respond whether an incident happens to your guest or because of them, on and off the property.
Building & Contents Coverage
Protect your property and contents with ‘new-for-old’ replacement cost coverage at the time of loss. Plus, with no occupancy restrictions, your coverage is designed to stay in place regardless of who you give the keys to, and even during vacancy periods.
Business Income Coverage
Retain your hard-earned income with Proper’s Business Income coverage. If a covered property loss prevents you from short-term renting your property, our policy covers actual loss sustained during the time it takes to repair the loss, with no time limit and up to the limit you select.
SHORT-TERM RENTAL INSURANCE ENHANCEMENTS
Opening your home to short-term vacation rental guests also invites several insurance risks. As short-term rental insurance specialists, we’ve spent years optimizing and enhancing our policy so you have protection for the most common and uncommon exposures STR owners face.
Property Entrustment
We protect you from theft, vandalism, and intentional or malicious damage caused by guests you rent your property to. This vital protection is excluded from standard Homeowners and Landlord insurance policies, which may leave your property and contents exposed.
Pet & Animal Liability
Our policy covers Pet and Animal Liability, with no breed restrictions or animal exclusions. Standard policies often limit or exclude this protection, leaving you exposed to costly claims, like liability for dog bites—whether you allow pets in your rental or not.
Bed Bug & Flea Protection
Proper’s policy offers first-to-market Bed Bug and Flea protection. We cover liability, extermination costs, and lost revenue from canceled bookings , ensuring you’re protected from both the financial and operational impact these pests can cause.
Squatter Protection
Our first-of-its-kind Squatter Protection is designed to cover lost business income and court costs if a guest refuses to leave. With flexible work arrangements, temporary assignments, and mid-term stays becoming more popular, guests are booking rentals for 30+ days, raising concerns about tenant rights.
Amenities On & Off-Premises
Our policy provides Amenity Liability coverage designed to protect you on and off the property. Most policies exclude or limit liability coverage for vacation rental amenities that take guests off-premises, like bikes, kayaks, and golf carts and even common amenities like pools and hot tubs leave coverage gaps.
Liquor Liability
Proper includes Liquor Liability coverage—something standard policies typically exclude. We understand people drink on vacation, so whether you’re offering wine in a welcome basket or dealing with left-behind liquor that ends up in the wrong hands of the next guests, you can be confident in your coverage.
PROPER’S DEDICATED RISK MANAGERS
Because we only serve the vacation rental industry, our dedicated risk managers know short-term rental insurance inside and out. We are proud of our customer feedback and our outstanding agents who make it all possible.
“I called several companies to get a policy. All required multiple days to offer a solid quote. Several came back and couldn’t meet the limits requirement. Proper Insurance came through like rock stars! Same day quote. Same day binding (so we could meet our closing date) AND BY FAR best pricing and coverage offered.”
“My representative was Rikki Valiance who actually made the experience exceptionally easy. She was knowledgeable. She completely answered all my questions, and she was an expert in the type of short term rental property I was insuring. I would recommend her and Proper Insurance to anyone.”
“Proper Insurance is who I trust after 10 years of renting. They have seen me (owner/manager) and my clients, whom I rent for, through good and bad. They are THE insurance for vacation rentals covering not just the home but $1M in liability (a huge issue for renting) also lost income due to damage to the home if issues make it unrentable. AND MOST IMPORTANTLY – they deliver on their promise, I have tested it.”
“Ashley from Proper Insurance is the best insurance agent I have ever worked with. She is extremely responsive, reliable and efficient. She also goes the extra mile to structure my coverage for the best price possible. As a long time realtor and an owner of multiple short term rental properties, I highly recommend Ashley and Proper Insurance for all your rental property needs. The best of the best.”
Latest
Resources
Homeowners Insurance Does Not Cover Airbnb
The Importance of ‘Loss of Business Income’ for Your Short-Term Rental
The Hidden Trap in Your Short-Term Rental’s Policy: The Habitability Exclusion
