Vacation Rental Insurance For US VRBO, Airbnb Owners 2023 Policy Expanded

With this recent expansion, Proper Insurance provides Airbnb and Vrbo rental property owners with protection that goes beyond standard homeowner’s insurance. The expanded protection can cover a variety of issues specific to these vacation rental properties.

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The agents with Proper Insurance are able to offer unique policies for short-term rental properties that cover the gaps in traditional homeowner’s insurance, protecting owners from a wide range of damages including bed bugs, loss of income, and more.

Short-term vacation rentals (any rental under 30 days) are growing in popularity. Vacation rental giant Vrbo noted that cabin rentals were up 25% when compared to last year. As demand for such properties rises, owners are increasingly turning to app-based short-term rentals as a source of extra income. One recent study observed that there are currently over 7 million listings on Airbnb alone.

According to Proper Insurance, a homeowner’s insurance policy rarely protects owners from liability and property damage caused by a short-term rental guest. This is due to a business activity exclusion clause in all homeowner’s insurance policies. The company notes that many property owners are not aware that short-term rentals qualify as business activity, and therefore require specific insurance policies.

With many cities requiring short-term rental owners to have a business license and carry such specific insurance, Proper Insurance is now underwriting policies specifically for Vrbo and Airbnb rental owners.

Proper Insurance is the Nation’s leader in insurance for Airbnb and Vrbo hosts. They offer a commercial policy designed to replace current homeowners’ coverage with up to $1,000,000 in standard liability with the option to increase it to $2,000,000. They can extend the liability to amenities such as pools, hot tubs, and bicycles, and this includes off-premise liability.

Proper Insurance has earned an exclusive endorsement from Vrbo as their preferred vendor for comprehensive insurance. The company has received an A+ rating from Standard & Poor’s, as well as an A+ rating from the Better Business Bureau.

A spokesperson for the company said: “We cover vacation homes, townhouses, condos, duplexes, cabins, cottages, apartments, and more. With expert vacation rental underwriters, Proper Insurance can tailor a policy specific to your short-term rental property.”

More information is available at

Proper Insurance(R)
[email protected]
1203 North Rouse Avenue
United States

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