🏡 Proper Insurance Review 2025: The Ultimate Protection for Airbnb & Short-Term Rentals
In the booming world of short-term rentals, platforms like Airbnb and Vrbo have created huge income opportunities — but they’ve also introduced unique risks for property owners. If you're renting out your home or investment property, standard homeowner’s or landlord insurance won’t cut it.
Enter: Proper Insurance — the gold standard in short-term rental insurance.
In this comprehensive Proper Insurance review for 2025, we’ll cover what it is, how it works, what it covers, and why it’s a must-have for every vacation rental owner.
🧠 What is Proper Insurance?
Proper Insurance® provides specialized vacation rental insurance tailored for owners and property managers who list on Airbnb, Vrbo, Booking.com, and similar platforms. It’s underwritten by Lloyd’s of London, a world-renowned insurance marketplace known for insuring unique risks.
Proper’s policies are built to replace or supplement traditional:
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Homeowners insurance
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Landlord insurance
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Commercial property policies
It’s the only policy that seamlessly combines commercial, liability, and personal property coverage — all in one.
🛡️ What Does Proper Insurance Cover?
Proper offers a comprehensive “all-in-one” policy that includes:
✅ Property Coverage
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Protection for the building, contents, and income
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Replaces standard homeowners or landlord policies
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Covers loss of income due to damage
✅ Liability Coverage
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$1M to $2M general liability (with options to increase)
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Protection against guest injuries and lawsuits
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Includes liquor liability, personal injury, and animal liability
✅ Business Income Coverage
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Reimbursement for lost rental income during property repairs
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Essential for hosts relying on income from rentals
✅ Amenity & Enhancement Coverage
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Pools, hot tubs, bikes, kayaks, golf carts — covered
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Also includes theft or vandalism by guests
💡 Bonus: Proper Insurance is the only short-term rental policy endorsed by Vrbo.
🔍 Why Traditional Insurance Doesn’t Work
Many Airbnb hosts wrongly assume they’re covered by:
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Standard homeowners insurance
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Standard landlord (rental dwelling) insurance
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Airbnb’s AirCover
But these policies often have exclusions for commercial activity (i.e. short-term rentals), leaving owners vulnerable to denied claims.
➡️ Proper Insurance bridges the gap, providing full protection designed specifically for vacation rentals.
💬 Who Needs Proper Insurance?
Proper is ideal for:
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Airbnb or Vrbo hosts
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Second home or vacation rental owners
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Property managers of short-term rentals
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Real estate investors in hospitality
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Homeowners renting out an ADU, basement, or guest house
💲 Proper Insurance Cost (2025 Estimates)
Your premium depends on property type, location, amenities, and income potential. Here are rough averages:
| Property Type | Location | Est. Annual Premium |
|---|---|---|
| Condo Airbnb in city | Austin, TX | $1,200–$1,800 |
| Lakefront vacation home | Michigan | $2,000–$3,200 |
| Luxury mountain rental | Colorado | $3,500–$6,000+ |
💡 Coverage includes $1M+ liability, building & contents, and lost income. Most hosts find it worth every penny.
📈 Benefits of Choosing Proper Insurance
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✅ 100% short-term rental focus
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✅ Replaces existing homeowners or landlord policy
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✅ Covers guest-caused damage & liability
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✅ Endorsed by Vrbo and backed by Lloyd’s
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✅ Covers pools, bikes, hot tubs, and more
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✅ Lost income protection = game-changer
⚖️ Proper Insurance vs. Competitors
| Feature | Proper Insurance | CBIZ Insurance | Foremost / Farmers | Airbnb AirCover |
|---|---|---|---|---|
| Short-term rental specific | ✅ Yes | ✅ Yes | ❌ No | ❌ Limited |
| Covers building & contents | ✅ Yes | ✅ Yes | ✅ Yes | ❌ No |
| Lost rental income coverage | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Liability up to $2M+ | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Amenity protection (hot tub, etc.) | ✅ Yes | ❌ Limited | ❌ No | ❌ No |
| Endorsed by Vrbo | ✅ Yes | ❌ No | ❌ No | ❌ No |
Proper is often the only all-in-one solution truly built for short-term rentals.
✅ Is Proper Insurance Legit?
Absolutely. Proper is:
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Backed by Lloyd’s of London
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Rated A+ by BBB
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The #1 recommended insurance for Airbnb and Vrbo hosts
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Used by over 100,000 short-term rental owners across the U.S.
🔎 FAQs About Proper Insurance (2025)
Q: Can Proper replace my homeowner's insurance?
✅ Yes. Proper is a complete policy that replaces your existing coverage, including liability, property, and income protection.
Q: Does it cover guest-caused damage?
✅ Yes. Guest-caused damage is covered — something homeowners and landlord policies often exclude.
Q: Can I get coverage for just a room or a guest house?
✅ Yes. Proper insures shared homes, ADUs, and detached units too.
Q: Is Proper more expensive than standard insurance?
🔁 Sometimes — but it covers significantly more, including commercial liability and rental income loss.
🏁 Final Verdict: Is Proper Insurance Worth It in 2025?
If you list your property on Airbnb, Vrbo, or similar platforms — Proper Insurance is a no-brainer. Standard homeowners insurance won't protect you from short-term rental risks. And Airbnb’s AirCover simply isn't enough.
With Proper, you get:
✅ Full property protection
✅ Up to $2M in liability
✅ Lost income coverage
✅ Guest damage protection
✅ Amenity coverage
That’s peace of mind that pays for itself.
🔗 Ready to Protect Your Airbnb or Vacation Rental?
➡️ Visit www.proper.insure to get a quote and secure your short-term rental today.
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