Proper Insurance for Airbnb-first hosts
Hosts whose primary channel is Airbnb, with secondary interest in Vrbo or Booking.com.
Our verdict for Airbnb-first hosts
Okay fit — consider alternatives
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.
Why it fits you
- Airbnb's built-in Host Protection has well-documented exclusions that Proper explicitly covers
- Commercial general liability up to $2M goes far beyond what Airbnb's program offers
What might bite you
- If you only list on Airbnb with low-risk properties, a cheaper policy may cover enough
- No published pricing makes it hard to budget alongside Airbnb's own fees
Best-for-you alternatives at this size
- Awning Insurance Great fit
Awning's marketplace copy is explicitly Airbnb-centric, and Proper is positioned as the most popular Airbnb-native STR carrier.
From $40 • No free trial · Useful triage page for new Airbnb investors; thin if you already know the STR carrier landscape
- CBIZ Vacation Rental Insurance Great fit
If your listings live primarily on Airbnb, CBIZ is built to replace the host-provided coverage with a real commercial policy — including the amenity risks Airbnb's program narrowly addresses.
Contact sales • No free trial · Established specialty STR insurer — but you'll need to call for a quote
- InsuraGuest Great fit
Airbnb hosts can pass the ~$3/day cost through as a guest fee and add a real damage/medical layer on top of AirCover.
From $69 • No free trial · Affordable flat-rate guest protection layer for PMS-connected operators
Still think Proper Insurance is right for you?
Contact sales • No free trial