Owners: Verify Your Insurance Coverage
It’s never been more important to verify your vacation rental insurance coverage. Short-term vacation rentals no longer fly under the radar and communities across the nation are passing laws and regulations, with specialty insurance often being a requirement. Large domestic insurers consider short-term renting a business transaction which means most owners don’t have adequate property or liability coverage.
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Vrbo® & VacationRentals.com® Exclusive Endorsement
- Vrbo is the world’s leader in vacation rentals and has recognized Proper Insurance® as the premier vendor for comprehensive insurance
- The Proper Insurance policy includes coverage enhancements no other carrier offers
- Developed in collaboration with and backed by world renowned Lloyd’s of London
Proper Insurance Policy Highlights
- Commercial Package Policy: coverage for building, contents, liability, and income
- Building & Contents: special cause of loss (all risk) with replacement cost valuation (new for old)
- Liability: $1,000,000/$2,000,000 in commercial general liability (extends beyond premise with no deductible)
- Income: actual loss sustained business income coverage with no time limit
- Additional $1,000,000 in personal liability when rental “doubles” as primary residence
- Optional upgrade to $2,000,000/$3,000,000 in commercial general liability
- Liability coverage enhancement for animals/pets & liquor
- Liability coverage extended over amenities: pools, bicycles, small watercraft, golf carts, rec area, + more
- Property coverage enhancement for theft and damage caused by a renter
- Vacancy clause removed with no standard occupancy restrictions
- Ordinance or law enhancement up to full building limits
- Bed bug enhancement with business income
- Underwritten by Lloyd’s of London, AM Best’s Rated A