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Proper Insurance
Comprehensive commercial coverage built for short-term rentals
At a glance
Updated 2026-04-20The most comprehensive STR insurance — if you can stomach the premium
Best for: Portfolio hosts who want the broadest possible STR coverage and are willing to pay a premium for specialized protections like squatter and amenity liability
Pricing
Contact sales • No free trial
What Proper Insurance actually is
Proper Insurance is the largest STR-specific insurer in the United States, offering commercial general liability and property coverage purpose-built for Airbnb, Vrbo, and vacation rental owners. Underwritten by Lloyd's of London (A.M. Best rated 'A' Excellent), Proper covers unique STR risks — squatter situations, amenity liability, bed bugs, and more — that standard homeowner or landlord policies exclude.
Core features
- Special Form Coverage for STR buildings and contents
- Commercial general liability up to $2M
- Squatter-related situation coverage
- Amenity liability (bikes, kayaks, hot tubs)
- Bed bug remediation coverage
- Dedicated claims specialists
- Custom quotes by property profile
Pros
- Most comprehensive STR-specific coverage on the market, including squatter and amenity liability endorsements
- Strong claims handling with dedicated specialists and consistently positive policyholder reviews
- Underwritten by Lloyd's of London (A.M. Best 'A' Excellent) and exclusively endorsed by VRBO
Cons
- One of the most expensive STR insurance policies available
- No published pricing — requires custom quote through sales, making comparison shopping difficult
- Some policyholders report friction with the cancellation process
Best for
Portfolio hosts who want the broadest possible STR coverage and are willing to pay a premium for specialized protections like squatter and amenity liability
Not for
Budget-conscious operators or low-activity hosts who only need basic liability and would rather minimize insurance spend
Is Proper Insurance right for you?
Honest per-segment take. Click any card for the full breakdown.
1–5 listings
Small portfolios
Proper's coverage is best-in-class, but the premium pricing hits harder when you only have 1–5 units absorbing the cost.
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5–20 listings
Mid-sized portfolios
This is Proper's sweet spot — enough units to spread the premium cost, enough risk exposure to need the specialized coverage.
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20–100 listings
Large portfolios
At 20+ listings the odds of needing specialized coverage approach certainty — Proper's breadth pays for itself the first time you file a non-standard claim.
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Airbnb primary
Airbnb-first hosts
Proper fills the gaps Airbnb's Host Protection leaves wide open, but you're paying a premium for coverage breadth you may not fully need on a single platform.
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Vrbo primary
Vrbo-first hosts
Proper is VRBO's exclusively endorsed insurance provider — if you're VRBO-first, this is the default choice for a reason.
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3+ channels
Multi-channel operators
Multi-channel hosts face the widest range of liability scenarios — Proper's coverage breadth matches that exposure better than any competitor.
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