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Proper Insurance®
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Proper Insurance®
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Proper Insurance

Comprehensive Vacation Rental Insurance From Proper Insurance®

Proper Insurance® offers a specialty short-term and vacation rental program placed through Lloyd’s of London, providing a tailored option for risks that many standard homeowners or landlord carriers will not accept or will rate prohibitively. Designed for independent agents and brokers, this program combines elements of personal and commercial insurance into a single policy form that adapts to changing property use — owner stays, short-term platform rentals (Airbnb, VRBO), or periods when the property is left vacant. This program is written on a non-admitted basis through Lloyd’s and is intended for agents who need a reliable market for single-location vacation rental exposures that require breadth of coverage and flexible endorsements.

Ideal Accounts and Target Classes

Proper Insurance® focuses on residential properties used for short-term stays. Typical fits include: • Single-family vacation homes and cabins
• Townhouses and multi-family homes converted for short rentals
• Duplexes and small apartment units rented seasonally
• Condominiums used as vacation units
• Properties listed on short-term rental platforms or rented directly
• Owner-occupied homes that are occasionally hosted on a short-term basis Example accounts: - A client who owns a mountain cabin in Colorado and lists it on Airbnb during the winter season. - A landlord who rents a duplex near the beach in Florida for short, seasonal stays. Accounts that need broad protection for changing occupancy patterns — owner use, guest stays, and vacancy gaps — are the best fit.

Coverage Highlights and Advantages

Proper Insurance® provides a consolidated policy form that helps agents place complex short-term rental exposures without assembling multiple separate policies. Key coverages include: • Comprehensive Building Coverage (including named perils or broader forms where available)
• General Liability tailored to short-term rental exposures
• Business Income / Loss of Rental Income coverage options
• Contents and Personal Property for furnished units
• Personal Liability and host-guest liability considerations Trademarked endorsements keep coverage in force across occupancy changes (occupied, rented short-term, or vacant), reducing gaps that commonly occur with standard homeowners or landlord policies.

Underwriting Notes and Appetite

- Placement: Non-admitted through Lloyd’s of London; underwritten by a team with long-standing experience in vacation rental risk. - Pricing: No published minimum premium; rates are based on property characteristics, occupancy pattern, limits chosen, and location. - Typical appetite: Single-location residential properties used for short-term rentals across a wide range of markets and values. - Typical non-fits or referral situations: large portfolio operators seeking blanket or scheduled multi-location programs, commercial lodging (hotels/motels), properties with significant unmitigated hazards, or risks requiring admitted paper. Contact underwriting for borderline or complex risks. Underwriters are experienced with platform-exposed liability, seasonal occupancy, and furnished-unit exposures — reach out with full details (location, occupancy, platform usage, security/house rules, protective features) for the most accurate response.

States and Availability

This program is available nationwide, including all 50 states and Washington, D.C. Proper Insurance® places this product on a non-admitted basis through Lloyd’s, allowing broader availability across varied state requirements. Whether the property is in an urban market or a rural vacation destination, the program commonly accommodates diverse territories — confirm specifics with underwriting for coastal, wildfire, or other high-hazard zones.

Why Work With Proper Insurance®

As a wholesale broker focused on the vacation rental niche, Proper Insurance® provides agents with access to Lloyd’s underwriting capacity and specialty endorsements designed for short-term rental volatility. Strengths include: - Niche expertise in vacation rental underwriting and product design. - Direct access to Lloyd’s capacity for specialty risks. - A single-policy solution that reduces coverage gaps between personal and commercial exposures. - Responsive wholesale brokerage support for quoting and binding. If you place short-term rental business and need a specialty market that understands platform exposures, Proper Insurance® is positioned to help you secure comprehensive protection for your clients.

Need help placing an account? Connect with a market specialist.

What types of accounts are a good fit for this program?

Properties used as short-term or vacation rentals — including single-family homes, condos, cabins, duplexes, townhouses, and small multi-family units — are ideal. Both owner-occupied and non-owner-occupied properties are eligible when they meet the program’s underwriting criteria.

Is this program available nationwide?

Yes. Proper Insurance® offers this program in all 50 states and Washington, D.C., on a non-admitted basis through Lloyd’s of London.

What makes this program different from standard homeowners or landlord policies?

The policy blends personal and commercial features and includes endorsements that keep coverage active whether the property is occupied by the owner, rented short-term, or temporarily vacant. Standard homeowners or landlord policies often exclude or limit short-term rental exposures.

Who underwrites the policy?

The program is placed through Lloyd’s of London and handled by underwriters with extensive experience in the vacation rental space.

Is the coverage admitted or non-admitted?

This program is offered on a non-admitted basis in all states.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A
  • Commission:
    15%
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

1203 North Rouse Ave, 3D
Bozeman, MT 59715
888-631-6680
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Proper Insurance® has other insurance programs like Airbnb Insurance.