Airbnb Host Insurance Comprehensive Coverage Launched

Proper Insurance has launched a comprehensive policy specifically designed for the needs and special circumstances faced by Airbnb and short term rental property owners.

Proper Insurance has launched an insurance policy aimed at providing owners of Airbnb, Vrbo, and other short term rental properties with comprehensive coverage. The product was designed to fill the coverage gaps in standard homeowners or landlords’ insurance.

More information can be found at

The policy launched by Proper Insurance was developed in parallel with Lloyd’s of London specifically to address the circumstances affecting short term vacation rentals. It covers vacation homes, townhouses, duplexes, cabins, cottages, apartments, and more. Proper Insurance’s expertise in vacation rental underwriting allows them to tailor a policy specific to any short term rental property.

Much like a standard homeowners insurance, Proper Insurance’s product provides coverage for the building and contents. However, it also covers items that are typically not found in traditional homeowners and landlord type policies, such as bed bug protection, loss of income, liquor liability, and liability protection for amenities available to guests, including bikes, boats, and golf carts.

According to Proper Insurance, Airbnb and short term rental owners are often misled into thinking a homeowner’s policy is sufficient to give them the coverage they need. Unknown to them, without the kind of policy the firm provides, they may not have any liability coverage as rental owners at all.

Proper Insurance’s short term rental policy covers both commercial and personal use of vacation rental properties, and may replace a homeowners insurance or landlord’s insurance.

Sometimes referred to as commercial liability policies, short term rental property insurance is increasingly being required by local governments who seek tighter regulation of Airbnb and other short term rental operations.

Proper Insurance’s policy includes the coverage required in these local laws and ordinances. Unlike a primary home-sharing endorsement in a standard homeowners policy, Proper Insurance covers both primary and secondary homes that are offered for short term rental.

More information about this can be found at

According to a spokesperson for Proper Insurance, “You can think of our product as a homeowner’s policy, a landlord policy, and a business policy all wrapped up in one. It’s the most comprehensive insurance available for short term rental owners today.”

Interested parties can learn more by going to the URLs mentioned above.

Release ID: 88997344