Proper Insurance

Most business owners know exactly what they’re protecting. An Audio/Video team knows their equipment, theft risk, damage exposure, and what happens if they can’t work. But short-term rental owners are told they “just need home insurance” because the broker doesn’t always understand the business happening inside the home.

That’s where the gap starts...and it only gets bigger from there. Good thing Proper Insurance exists.

Insurance built specifically for short-term rentals, vacation rentals, and the risks that standard policies weren’t designed to handle.

The moment you hit “publish” on your first Airbnb or Vrbo, your property changes. It may still be the same home, but now it has paying guests, business income, liability exposure, guest-caused damage potential, and a whole new set of risks walking through the door.

That shift matters, especially when it comes to insurance. Learn more at www.proper.insure

Let us count the reasons you need STR insurance as a pet-friendly host… 🐾🐾🐾

Dog bites, flea infestations, guest pet damage your standard policy likely won’t touch, and off-premises liability when that dog wanders next door.

Unlike most standard policies, Proper Insurance is built to cover these risks. Pet & animal liability, guest-caused damage, lost income, and legal defense fees. No breed exclusions. No surprises.

Mention vacation rental insurance and Proper appears.🙌

Short-term rental insurance doesn’t have to be confusing. See how Proper is built differently at www.proper.insure.

Short-term rentals come with exposures that standard Homeowners and Landlord policies often weren’t designed to handle: guest-caused damage, liquor liability, lost rental revenue after a covered claim, Commercial liability, and the constant overlap of personal and business use.

So, we built a policy specifically for short-term rental exposure. Twelve years later, Proper Insurance is still focused on the same thing: helping owners replace assumptions with coverage built for the reality of hosting. Ready to learn more? Go to www.proper.insure

If you’ve spent any time in the STR space, you know Matt doesn’t talk about hosting from the sidelines. He knows what owners deal with, what can go wrong, and why the details behind your insurance matter. His take? Proper was designed specifically for short-term rentals. Standard Homeowners and Landlord policies weren’t.

That difference matters because hosting is not standard home use; it comes with guest stays, turnovers, liability concerns, damage risks, income exposure, and real situations that traditional policies often don’t fully account for. When your property is being used differently, your insurance should be built differently too.