Proper Insurance launches three tools for short-term rental hosts

Proper Insurance released three resources for Airbnb and vacation rental owners on Aug. 13, 2026, aimed at helping hosts spot gaps in standard homeowners or landlord policies. The company says the tools are meant to flag weak coverage before guest-caused damage, liability claims or lost revenue become costly problems.

Why it matters: - Short-term rental hosting can create business risks that standard homeowners and landlord policies may not cover. - Hosts can face guest-caused damage, broader liability exposure and income loss if coverage falls short. - Proper Insurance says the new resources are designed to help owners identify those gaps before a claim occurs.

What happened: - Proper Insurance launched three giveaways for short-term rental owners evaluating insurance coverage. - The release was issued Aug. 13, 2026, from Bozeman, Montana. - The company says the tools are meant to help Airbnb hosts and other rental owners assess whether their current policies protect their business operations. - Justin Brodin, Proper Insurance chief marketing officer, said a property becomes a business once a guest checks in.

The details: - Proper Insurance flagged three warning signs of weak short-term rental coverage: cheap add-on coverage, a fast quote process with few questions and minimal underwriting. - The company says low-cost add-ons can signal that an insurer is assuming little risk and may leave the owner with less protection. - Proper Insurance says a quote process should ask detailed questions about property features, amenities and safety measures. - The company says underwriting should be thorough enough to identify rental-specific risks and confirm appropriate safeguards. - Proper Insurance offers a dedicated short-term rental policy for owners in the vacation rental hospitality sector. - The policy is designed to respond to guest-caused damage, liability that extends beyond property lines and loss of business revenue.

Between the lines: - The launch reinforces a broader shift in the rental market: more owners are treating their properties like operating businesses, not passive homes. - Proper Insurance is positioning specialized short-term rental coverage as a response to that shift, while casting standard policies as mismatched to the risks. - Brodin said understanding risk exposure and how a policy responds to it is vital for protecting an investment.

What's next: - Proper Insurance is pushing hosts to review their current coverage before a guest-related loss tests the policy. - The company is directing owners toward its specialized policy as a way to better match insurance with short-term rental risk. - Brodin said the company aims to help hosts make informed decisions about coverage.

The bottom line: - Proper Insurance is trying to convert short-term rental insurance shopping from a price comparison into a risk review.