When Airbnb Hosts Need Real Coverage: Why Proper Insurance Is the Gold Standard for Vacation Rental Owners

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When Airbnb Hosts Need Real Coverage: Why Proper Insurance Is the Gold Standard for Vacation Rental Owners


You’ve put time, money, and heart into your short-term rental.

You’ve got five-star reviews, a booked-out calendar, and maybe even plans to scale.

But here’s the problem most hosts don’t discover until it’s too late:
Traditional homeowners insurance doesn’t cover short-term rentals.

That’s where Proper Insurance comes in — with specialized, full-replacement coverage designed specifically for Airbnb, Vrbo, and other vacation rental properties.

Get a Free Vacation Rental Insurance Quote

Real Story: How Jake Saved His Cabin Business After a Guest-Fueled Fire

Jake owns a cozy A-frame cabin in Lake Tahoe. One winter weekend, guests left a space heater on near some towels. By morning, part of the interior was scorched.

His regular homeowners policy denied the claim — because the property was used commercially.

Luckily, Jake had switched to Proper Insurance just three months earlier.

They covered the damage in full — no loopholes, no drama.

“Without Proper, I’d have lost tens of thousands. It was the smartest switch I ever made.”

Protect Your Vacation Rental Now With Proper Insurance

Why Proper Insurance Is a Must-Have for Short-Term Rental Hosts

Proper Insurance isn’t just another add-on or endorsement. It’s true commercial-grade coverage written on a Lloyd’s of London platform and built to meet short-term rental realities.

It replaces your homeowners, landlord, or business policy with a single, all-in-one plan.

What makes it different?

  • Covers buildings, contents, income loss, AND liability

  • Designed to comply with Airbnb, Vrbo, and local STR regulations

  • Includes $1M–$2M in commercial liability by default

  • Optional enhancements: bed bug, liquor liability, theft by guest, and more

  • Accepted by banks and lenders for vacation homes

  • Backed by seasoned STR insurance experts

Get a Quote or Speak With a Specialist

Who Proper Insurance Is Perfect For

Whether you rent out a single guest house or manage 10+ listings, Proper is designed to protect what you’ve built.

It’s ideal for:

  • Airbnb, Vrbo, Booking.com, or direct-rent hosts

  • Property owners who rely on rental income

  • Investors with STR portfolios

  • Hosts looking for real replacement cost and income protection

  • Anyone tired of playing games with exclusions and fine print

Find the Right Coverage for Your Property

5 Reasons Thousands of Hosts Choose Proper Insurance

  1. Full property coverage — not just contents or partial claims

  2. Income protection — covers lost rent if your listing is down

  3. Guest-caused damage covered — fire, theft, accidents, liability

  4. Meets or exceeds platform requirements for Airbnb & Vrbo

  5. Written under one complete policy — no need for multiple plans

Check Your Property’s Coverage Options Now

Proper Insurance vs Other Policy Types

FeatureProper InsuranceHomeowners InsuranceBusiness/Commercial Policies
Covers short-term rental useYesNoSometimes
Includes liability & buildingYesLimitedMay require multiple plans
Acceptable by lendersYesYesSometimes
Guest-caused damageYesUsually excludedRarely included
Loss of incomeYesNoYes (if specified)

Get the Policy That Covers What Really Matters

Pro Tips to Get the Most From Proper Insurance

  • Bundle your contents, building, and income into one policy

  • Ask about liquor liability if your listing provides alcohol

  • Consider bed bug or guest theft riders if you’ve had issues

  • Keep a digital inventory of high-value contents for smooth claims

  • Review your policy annually if you upgrade or expand your rental

Get a Custom Quote Based on Your STR Property

Final Thoughts: If You Host, You Need Proper Protection

The truth is, hosting is a business — even if it feels like a side hustle.

And businesses need real insurance, not just patched-up homeowners policies.

Proper Insurance gives you the full coverage, expert support, and income protection you need to host confidently — knowing you’re protected from the unexpected.

Start Your Free Vacation Rental Insurance Quote Now


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