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Proper Insurance®
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Vacation Rental Insurance

Comprehensive Vacation Rental Insurance From Proper Insurance®


What happens if a guest is injured while staying at your client’s short-term rental? What if a visitor causes significant property damage? Your clients need more than a standard homeowners policy — they need tailored protection built for vacation rental exposures.

Proper Insurance® is the Program Administrator and General Agent for a specialty policy underwritten by Lloyd’s of London, specifically designed for short-term rental properties. This program offers a complete replacement of a client's homeowner’s policy with a commercial package policy that includes both property and liability coverage.

If you're looking for a strong market for Vacation Rental Insurance, Proper Insurance® offers one of the most inclusive and specialized solutions available today. Agents and brokers benefit from a straightforward quoting process, fast binding (typically within 5 minutes), and generous commissions — 15% on new and renewal business (12.5% in FL and MI).

Ideal Accounts and Target Classes

Proper Insurance® targets a wide range of short-term rental properties, including those with amenities that many carriers often exclude or restrict. Ideal accounts include: • Vacation homes listed on Airbnb, Vrbo, or other platforms
• Properties with swimming pools or hot tubs
• Homes offering recreational features like bicycles, small watercraft, or dock access
• Owner-occupied homes that double as a vacation rental
• Unique or luxury vacation rentals in resort or rural areas This program is built for the real exposures that come with short-term rentals — not just the property itself, but also the enhanced liability risks from guest use.

Coverage Highlights

Proper’s vacation rental policy stands out because it replaces the insured’s traditional homeowner’s coverage with a commercial-grade insurance solution. Key features include: • Commercial Package Policy: Coverage for buildings, contents, liability, and rental income – limits up to $1,000,000/$2,000,000
• Premise and Personal Liability: Protection whether the property is rented or used as a primary residence
• Enhancement Endorsements: Theft, pet damage, and more
• Income Coverage: Rental income protection in case of a covered loss This structure ensures that your clients are protected whether they’re hosting guests or using the property themselves.

Underwriting and Binding Details

Proper Insurance® streamlines the process for agents and brokers. Binding is quick — often within minutes — and the underwriting team is experienced in handling the unique aspects of vacation rentals. While no minimum premium is listed, the program is best suited for clients who rely on short-term rental income or host guests frequently. Properties with unique features or located in higher-risk areas are considered on a case-by-case basis.

Nationwide Availability

This program is available in all 50 states and the District of Columbia. Whether your client owns a beachfront property in California, a mountain cabin in Colorado, or a lake house in New York, Proper Insurance® has you covered.

Why Partner With Proper Insurance®?

Proper Insurance® is the nation’s leading provider of vacation rental coverage, with over 100,000 policies written. As both Program Administrator and General Agent for Lloyd’s of London, they bring unmatched expertise, fast service, and a commission structure that rewards your efforts. Their strong appetite for diverse and complex short-term rental risks makes them a go-to partner for agents and brokers nationwide.

Give Proper Insurance® a call today and bind your next vacation rental policy in as little as 5 minutes!

Frequently Asked Questions

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

This program is ideal for single-family homes, condos, and cabins used as short-term vacation rentals, including those with pools, hot tubs, or other amenities. Owner-occupied properties that rent out seasonally are also eligible.

Can clients keep their homeowner’s policy alongside this coverage?

No. This policy is designed to replace a standard homeowner’s policy with a commercial package that offers broader protection suited for rental exposures.

What is the commission structure for agents and brokers?

Proper Insurance® pays 15% commission on new and renewal business in most states. Florida and Michigan offer 12.5% commission.

Is this program available in all states?

Yes, this Vacation Rental Insurance program is available in all 50 states and Washington, D.C.

How quickly can policies be bound?

Most policies can be quoted and bound in as little as 5 minutes, depending on the complexity of the risk.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    -
  • 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.