US Vacation Rental Insurance For Airbnb/Vrbo Property And Home Owners Launched

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Montana’s Proper Insurance has launched a new, specialized insurance policy for the owners of Airbnb, Vrbo and other vacation rental properties and homes across the US.

Proper Insurance, short-term rental insurance specialists based in Bozeman, Montana, have launched a new vacation rental policy, suitable for those listing their property on Airbnb, Vrbo or other independent channels.

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The launch of the new policy coincides with the rapid growth of the short-term rental market across the US. According to Forbes, the market witnessed greater than 100% growth in the three years up to 2020, with sustained growth witnessed in the last year, despite the pandemic.

As more Americans rent out homes and properties across the country for vacation purposes, Proper Insurance wants to ensure that they are properly covered.

Identifying a problematic gap between the standard provisions of homeowner’s insurance and the typical requirements of a holiday rental, Proper Insurance has developed a policy that can be completely customized to suit the particular needs of the property and the rental terms.

By offering, as standard, unlimited coverage for damage caused by renters from theft, vandalism or other acts, the vacation rental policy covers a large area of risk that would be completely neglected in a more standard home and contents policy.

Critically, the new policy includes generous liability coverage which covers occurrences inside the property as well as those which may occur in amenities connected with the property such as pools, bikes, small boats, and more.

Proper Insurance’s vacation rental insurance has been structured to address even the smallest details of holiday renting like bed bug protection and liquor liability, details which may be overlooked by property owners.

However, it also functions as a normal homeowner’s policy, covering standard features such as damage from wind, fire or hail and from events like backed-up sewers and drains.

All of Proper Insurance’s policies are underwritten by Lloyd’s of London, one of the most prominent and reputable insurers in the world. Their new vacation rental insurance has already been featured on popular websites, and they hold an A+ rating with BBB.

They are also the only vacation-rental insurance firm to have an exclusive endorsement from Vrbo, which according to Key Data outperformed Airbnb by more than double in rental revenue in the US in 2020.

A spokesperson for the insurance firm said, “Proper Insurance leads the nation in short-term rental insurance, with over 50,000 policies written in all 50 states. Backed by Lloyd’s of London and exclusive endorsements from vacation rental leader Vrbo, our company is built on world-class insurance coverage. With expert vacation rental underwriters, we can tailor a policy specific to your needs.”

More information is available at