Get The Best Short-Term Rental Insurance Assessment From This Top Bozeman Agency

Mar 22, 2021

All Airbnb and Vrbo hosts need special commercial insurance coverage to protect against potentially crippling mishaps that can include guest injury, property damage, vandalism or property loss due to weather or fire. Proper Insurance, a specialized insurance company in Bozeman, MT, has announced its 5-minute online insurance quote for short-term rental owners curious about their coverage needs.

If you’re the owner of a short-term rental or vacation rental property, including Airbnb and Vrbo, you need commercial insurance coverage to protect you against potential liabilities that can come about as a result of your day-to-day rental activities – even if the property or space is unoccupied.

Most vacation rental owners carry either a homeowners or landlord insurance policy, both of which have significant coverage gaps that result in claims being denied if they have any connection to Airbnb or Vrbo business dealings.

The best provider for this type of insurance is Proper Insurance. They specialize in short-term rental insurance packages designed to fit the unique needs of those doing business in this niche industry.

Proper Insurance is a top Lloyd’s of London-backed insurance company in Bozeman, Montana. They have just announced the launch of their five-minute customized online insurance quote for Airbnb and Vrbo property owners. Anyone participating in the short-term rental market must have adequate coverage designed for risks specific to this industry. By completing the Proper Insurance five-minute online questionnaire, you can get a quick snapshot of the comprehensive program best suited to your business activities.

All homeowner’s insurance policies carry a ‘business activity exclusion’ clause. This means claims involving Airbnb, Vrbo, or any short-term rental mishap, would be denied. The launch of Proper Insurance Services’ five-minute online quote puts renters on track to learning about and purchasing a customized insurance package that covers every potential risk.

Unlike general insurance carriers, Proper Insurance specializes in the niche, short-term rental industry. The company has written over 40,000 policies in all 50 states and is exclusively endorsed by Vrbo vacation rentals.

Insurance packages designed for Airbnb, Vrbo and other short-term rental owners and hosts are programs that replace a property owner’s current homeowner’s (HO) or landlord (DP) policy. It is written as a business policy, customized to cover the host’s building and its contents, business income and commercial liability.

Many short-term renters are unaware of the difference between personal liability insurance and commercial liability insurance. Although both protect against personal injury and property damage, personal coverage is null and void when injuries or damages are the result of business activities.

Renters who attempt to apply a limited endorsement to their homeowner’s policy will most often be denied their claim by insurance carriers that will not accept the ‘occasional’ nature of their business, citing the ‘regular’ commercial use of the space or property.

Most insurance companies view the short-term rental industry as too high-risk; therefore, coverage can be unusually costly or unavailable. The launch of Proper Insurance Service’s five-minute online quote helps those in this market locate a qualified provider who specializes in the short-term rental business.

A satisfied customer says: “I am so grateful that I found Proper. I was totally baffled by the whole process of getting the correct insurance for my vacation rental.”

If you’re interested in learning more about necessary short-term rental coverage, visit

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