Proper Insurance
About Proper Insurance
Proper Insurance provides commercial insurance policies tailored specifically for short-term rental owners and property managers, intended to replace traditional homeowners or landlord policies. Their product includes commercial general liability, rental-arbitrage coverage, guest-damage protection, business-income replacement, and niche coverages (bed bug, squatter, liquor and pet liability). The company is endorsed by Vrbo and backed by Lloyd's of London, offers online quotes and a network of s
What sets them apart
A market-focused insurer offering the most comprehensive, custom commercial homeowners policies for short-term rentals, exclusively endorsed by Vrbo and underwritten by Lloyd’s of London and Concert Specialty.
Key Capabilities
Custom commercial homeowners policies specifically for short-term rentals (Airbnb
Vrbo
rental arbitrage)
Building and contents coverage with replacement-cost valuation
Commercial general liability (typically $1M+) and host liability
Business income / rental loss protection (actual loss sustained
no preset payout time limit)
Guest-caused damage / property entrustment coverage
Enhanced coverages: bed bug & flea infestation
squatter protection
pet & animal liability (no breed restrictions)
liquor & amenity liability (pools
bikes
watercraft
etc.)
Underwritten by Lloyd’s of London and Concert Specialty Insurance
3-minute online quote portal
nationwide coverage (all 50 states + DC) and dedicated "Super Agent" claims/support experience
Company Information
Founded
2014
Headquarters
Bozeman, Montana, United States
Company Size
51-200
Total Funding
Unknown
Website
www.proper.insureProper Insurance Pricing
Pricing information not available
Visit website for pricingWhat Users Say
Overall sentiment from online reviews is very positive: users consistently praise Proper Insurance for its comprehensive, short-term rental–specific coverage and highly responsive, knowledgeable claims support provided by named agents. Key strengths are tailored policy features (income protection, amenity and guest liability, bed-bug/squatter coverage), empathetic and efficient claims handling, and strong underwriting partners (Lloyd’s of London, Concert Specialty). Common concerns mentioned by a minority of reviewers are higher premiums compared with standard homeowners policies and occasional communication delays or complexity during some claim processes.
Need Help Choosing?
Book a free call to discuss if Proper Insurance fits your needs.
Frequently Asked Questions
What is Proper Insurance?
Proper Insurance provides commercial insurance policies tailored specifically for short-term rental owners and property managers, intended to replace traditional homeowners or landlord policies. Their product includes commercial general liability, rental-arbitrage coverage, guest-damage protection, business-income replacement, and niche coverages (bed bug, squatter, liquor and pet liability). The company is endorsed by Vrbo and backed by Lloyd's of London, offers online quotes and a network of s
What features does Proper Insurance offer?
Proper Insurance key features include: Custom commercial homeowners policies specifically for short-term rentals (Airbnb, Vrbo, rental arbitrage), Building and contents coverage with replacement-cost valuation, Commercial general liability (typically $1M+) and host liability.
Does Proper Insurance have an API?
Proper Insurance API availability: No.
Does Proper Insurance have a mobile app?
Proper Insurance mobile app availability: None.