Vrbo & HomeAway Endorse Proper Insurance

Leading The Nation In Vacation Rental Insurance

 40,000+ Satisfied Policyholders

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 regulation, 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.

Start Your Quote & Consultation Here

VRBO Quote

Insurance Consultation Outline

  • Understand coverage gaps found in homeowners and landlord insurance policies
  • Learn about property & liability exposures in running a vacation rental business
  • Receive a custom proposal from a licensed Proper Insurance agent

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
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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