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Vacation Rental Insurance

Policy Highlights: Insurance For Short-Term Vacation Rental Owners

The Proper Insurance® policy replaces the property owners current 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 short-term or vacation rental “doubles” as the owners primary residence. The challenge was quadruple use or occupancy of the properties; as most vacation rental properties are used for commercial short-term rental use, personal use, at times unoccupied, and some have guests or tenants for over 30 days. With trademarked endorsements, the Proper Policy covers you and your property for all four uses. Think of it as a homeowner’s policy, a landlord policy, and a business policy all wrapped into one! It’s all-inclusive insurance that was custom-penned with Lloyd’s of London and covers the unique risks associated with short-term vacation rental properties. It’s the most comprehensive insurance available on the market today so you can have peace of mind.


A Lloyd's Policy
  • Underwritten by Lloyd’s of London, AM Best’s Rated A
  • Commercial Package Policy: coverage for building(s), contents, liability, and income
  • Suffices for MA Short Term Rental proof of insurance requirements
  • No vacancy or standard occupancy restrictions as found on homeowner’s and dwelling policies
  • Sole Props, Corporations, Partnerships, LLC’s, Trusts, accepted as named insureds
  • Designed to entirely replace the current coverage on the property
  • Expert underwriters available for coverage

Commercial Liability $1,000,000/$2,000,000
  • $1,000,000/$2,000,000 in commercial general liability (business liability)
  • $1,000,000 in personal and advertising injury
  • Liability extends off premise and continued over amenities: swimming pools, hot tubs, bicycles, small watercraft, rec areas + more
  • Enhancement coverage for animal/pet, liquor, assault/battery, abuse, molestation, and invasion of privacy
  • $2,000,000/$3,000,000 limits available for commercial general liability and personal and advertising injury
  • Includes legal defense

Building & Contents Special Form
  • Special cause of loss (all-risk) with replacement cost valuation
  • Enhancement coverage for damage to the building(s) and contents caused by a guest, including theft
  • No limit on damage caused by a renter
  • Loss assessment, debris removal, and back-up sewer and drain
  • Any coverage limit
  • No limit on theft
  • Full ordinance or law (optional)
  • Bed bug enhancement (optional)

Business Income Actual Loss
  • Special cause of loss (all-risk) with actual loss sustained valuation
  • Pays on revenue vs income
  • Any coverage limit
  • No time limit
  • Bed bug enhancement (optional)