I stumbled across Proper Insurance after being told by USAA that coverage would would not extend to my vacation rental. They write off a commercial policy with no vacancy or business exclusions, and their policy completely replaced by homeowners insurance. Price is a bit higher, but worth sleeping well at night.


last year

Can you post a URL and explain the cover basics? Thanks

last year


I just stole this blurb off their website, I would give them a call. I spoke to Nick on the phone, he was super helpful. 888-631-6680

The Proper Insurance® policy replaces a homeowner’s (HO) or landlord (DP) policy. It is written as a business policy, giving the short-term vacation rental owner comprehensive coverage for their building(s), contents, commercial business liability, and business income. It also includes personal liability when the rental “doubles” as the owners primary residence. All-inclusive insurance that is custom-penned with Lloyd’s of London for the unique risks of short-term vacation rental properties. It’s the most comprehensive insurance available today for vacation rental property owners. Available in all 50 states.

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