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Short-Term Rental Insurance Designed for Airbnb/Vrbo Homeowners. Know You’re Covered.
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Commercial Homeowner’s Insurance For Short-Term Rentals
Airbnb & VRBO Properties: Single family, multi family, townhouse, duplex, condo, cabin, apartment +more

11/03/2026

A misrepresentation clause isn't a technicality, it's a real reason insurers use to deny claims after the fact, and most hosts have no idea their policy contains one until they're filing a claim.

The "why" is simple: your policy is priced and underwritten based on how you said you'd use the property. Not disclosing short-term rental use means the insurer never actually agreed to cover this risk, so when a claim comes in, they have grounds to say the contract itself wasn't accurate, and deny it entirely.

So...how do you avoid telling your insurer about your Airbnb?! You don't.

This isn't just a conversation you need to have, it's one where you need to ask the right questions to confirm your coverage actually fits the business use of the property now. If you just aren’t sure where to start give us a call and we can help guide you!

11/01/2026

Happy Halloween from a couple of the spooky crew here at Proper. Stay safe tonight!

10/30/2026

We asked the Proper Insurance team one simple Halloween question and somehow ended up in a full-blown scientific debate. 🧛🧟

Now we need you to settle it:
If a vampire bites a zombie, who turns into what? 👀👇

PS this video is worth watching all the way through 🤣

10/29/2026

Grateful to spotlight Tammy this week, our Liability Claims Manager.

Her job means stepping into difficult situations, when someone has been hurt, and working carefully through what actually happened, while helping people navigate a hard moment with care. It's not easy work, and she brings a level of steadiness to it that says a lot about who she is.

Outside of work, she's a certified yoga instructor and a proud grandma of 6. Her advice to vacation rental owners (make sure your coverage matches how you use your property) comes from firsthand experience seeing what happens when it doesn't.

Tammy we are SO happy you are a part of the Proper team!

10/29/2026

What’s the actual difference between Loss of Rents and business income coverage? Taylor breaks it down, and it’s bigger than most hosts realize.

Loss of Rents (common on Landlord policies) caps out at 1/12 of your annual income per month, flat, no matter when the loss happens. Why? Because it’s built for long-term rentals that are making the same amount every month of the year.

Meanwhile, Proper’s Loss of Business Revenue reimburses your actual gross bookings instead. Why that matters for a vacation rental specifically: if your busy season makes 3x what your slow season makes, a flat 1/12 payout badly underpays you for a claim in July. Business Revenue coverage reflects that swing and pays what you’d have actually earned, based on your real bookings and rates, not a generic market average.

To learn more go to www.proper.insure

10/28/2026

A host calling about a claim is rarely having a good day. But when we can say, “You’re covered. Here’s what happens next,” you can hear the relief. That’s the part of the job we love most.

Your first claim shouldn’t be the first time you learn your policy wasn’t built for a vacation rental. Do the research now and get insured PROPER-ly.

10/28/2026

We’ve been insuring short-term rentals since 2014, and we still get this excited every time a host shows us their place. The hidden bunk room. The hot tub with the mountain view. The kitchen you clearly redid yourself.

This is our industry, and you’re the reason we love it. So yes we DO love it. Keep the cool properties coming, that’s what we’re here for. 🏡

10/28/2026

We were joking....But some of you were looking for answers. 👀 You okay?! Tell us what's haunting you (or should we say your PROPERTY) in the comments.

10/27/2026

Serving short-term rental coverage. Someone has to. 💅

10/27/2026

What if something happens to my guest OFF my property? I’ve got a kayak, a golf cart, even a hiking trail nearby...Yes, covered.

Most standard policies stop at your property line. Ours doesn’t. 🛶

Thanks for asking the tough questions Matt | Rental Cashflow!

Address

40 Enterprise Boulevard, Suite 201
Bozeman, MT
59718

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

https://www.proper.insure/

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