Short Term Rental Insurance Policy For Vacation Property Launched

Bozeman, Montana short-term rental insurance company, Proper Insurance, has announced its 5-minute online insurance quote for Airbnb, Vrbo, and vacation property owners.

Proper Insurance, a top Lloyd’s of London backed insurance company in Bozeman, Montana, is announcing the launch of its five-minute customized insurance quote for Airbnb and Vrbo property owners. Those participating in the short-term rental market must have adequate coverage designed for risks specific to this industry. By completing the Proper Insurance five-minute online questionnaire, owners of short-term rental properties can get a quick snapshot of the comprehensive program best suited to their business activities.

Homeowner’s insurance policies carry a ‘business activity exclusion’ clause. This means claims involving Airbnb, Vrbo, or any short-term rental mishap, could be denied. The launch of Proper Insurance Services’ five-minute online quote puts renters on track to learning about and purchasing a customized insurance package that covers their potential risks as a host.

Unlike general insurance carriers, Proper Insurance specializes in the short-term rental industry. The company has written over 40,000 policies in all 50 states and is exclusively endorsed by Vrbo vacation rentals.

Insurance packages designed for Airbnb, Vrbo, and other short-term rental owners and hosts are programs that replace a property owner’s current homeowner’s (HO) or landlord (DP) policy. It is written as a business policy, customized to cover the host’s building and its contents, business income, and commercial liability.

Many short-term renters are unaware of the difference between personal liability insurance and commercial liability insurance. Although both protect against personal injury and property damage, personal liability may be null and void when injuries or damages are the results of business activities.

Renters who attempt to apply a limited endorsement to their homeowner’s policy will most often be denied their claim by insurance carriers that will not accept the ‘occasional’ nature of their business, citing the ‘regular’ commercial use of the space or property.

Most insurance companies view the short-term rental industry as too high-risk; therefore, coverage can be unusually costly or unavailable. The launch of Proper Insurance Service’s five-minute online quote helps those in this market locate a qualified provider who specializes in the short-term rental business.

A satisfied customer says: “I am so grateful that I found Proper. I was totally baffled by the whole process of getting the correct insurance for my vacation rental.”

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Release ID: 89002067