Best Vacation Rental Insurance For VRBO Property Owners In The United States

Apr 25, 2023

Proper Insurance offers specialized property insurance tailored for short-term rentals. The Lloyd’s of London backed company can provide customized protection for your AirBnB or Vrbo properties.

Not all insurance companies provide the same kinds of homeowner's insurance protection. To ensure that your Airbnb or Vrbo rental property is covered, you’ll need to choose an insurer that specifically covers short-term rental property.

Why not choose the best?

With over one hundred thousand policies written across the United States, Proper Insurance is the go-to short-term rental insurance provider for AirBnB and Vrbo property owners.

For more information, you can visit

The agents with Proper Insurance can offer you unique policies for short-term rentals that cover the gaps in traditional homeowner’s insurance.

Short-term vacation rentals (any rental under 30 days) are growing in popularity. Vacation rental giant Vrbo noted that cabin rentals were up 25% 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 run by 4 million hosts.

According to Proper Insurance, your homeowner’s insurance policy will rarely protect you from liability or damages that occur as a result of a short-term rental tenant. This is due to a business activity exclusion clause in all homeowner's insurance policies. The company notes that many property owners are unaware that short-term rentals qualify as business activity.

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

Proper Insurance offers a commercial policy designed to replace current homeowner's coverage with up to $1,000,000 in standard liability. They can extend the liability to amenities such as pools, hot tubs, bicycles, and other equipment guests use.

The company has earned an exclusive endorsement from Vrbo as their preferred vendor for comprehensive insurance for short-term rentals. The company has received an A+ rating on Standard & Poor’s, as well as an A+ rating with the Better Business Bureau. You can find more information at

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.”

Learn more and get a quote by visiting

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