# Get an instant insurance quote ## Sorry, we couldn't find ''. Please check the spelling, try clearing the search box, or try reformatting to match these examples: **Address:** 123 Main St San Francisco, CA **Market:** Dallas-Fort Worth **Zip:** 75204 **City:** Dallas Note, if an address wasn't found, it's likely because we only support active listings on the market in our service area or that we haven't yet analyzed data for that home. ## Insurance for hosts RedAwning offers access to vacation rental Insurance that protects hosts, vacation rental income, and your investment. **Get the right coverage for your Airbnb property** **Save money on your existing investment property coverage** **No phone call or hassle required** ## Nationwide vacation rental insurance that hosts trust ### Custom rates Get a custom rate that specific to your property and it's Airbnb activity. ### Complete coverage Don't just cover the property, insure your income and protect yourself from liability. ### Transparent Receive rates and coverage explanation to make an informed decision. ### Easy to switch If you already have insurance, switching is simple with Awning. ## How it works ### Fill out a simple form Provide your email and answer some simple questions to complete the form. ### Receive a quote Receive a quote and see how you can save up to 25% on your current policy. ### Get coverage Better manage your risk and insure your investment is safe with the best coverage. ## A better option We have an experienced team and a suite of technology dedicated to providing the best service possible. ### Homeowner’s insurance - Coverage - Building - General liability - Personal property - Loss of vacation rental income - Other structures Insurance offered by Obie Insurance Services, LLC and affiliates. Disclosures. ## Ready for an instant quote? Get an instant quote and start protecting your investment. ## Proper Insurance The Leading Provider of Short-Term Vacation Rental Insurance Proper Insurance is the nation's premier short-term vacation rental insurance provider, offering the most comprehensive policy available in all 50 states. The Proper policy provides unmatched protection for your property, rental revenue, and business liability, uniquely written to address short-term rental risks like... - guest-caused theft and damage - liquor liability - amenity liability - hot tubs and pools - bikes - hot tubs - bed bugs - fleas - squatters ## Comprehensive Short-Term Rental Insurance RedAwning offers access to vacation rental Insurance that protects hosts, vacation rental income, and your investment. ### Commercial Business Liability Insurance Protect your vacation rental business with commercial general liability coverage options of $1M and $2M. This coverage protects your business in the event a guest is injured on or off your property, injures someone else, or causes damage to another's property. ### Building & Contents Coverage Ensure your buildings and contents are covered on an all-risk basis with reimbursement for replacement cost valuation. This means you receive new for old at the time of a covered loss. ### Business Revenue Protection Safeguard your rental revenue against unforeseen circumstances like water damage, hail, or guest damage that could prevent you from renting out your property. ## Custom Coverages for Short-Term Rentals - Guest-caused theft or damage - Amenity liability - Pools, hot tubs, bikes, kayaks - Bed bugs - Fleas - Squatters ## Why Choose Proper Insurance? ### Nationwide Coverage Serving all 50 states ### Comprehensive Policies Specifically tailored for short-term rental needs ### Industry Expertise & Experience Leading provider of short-term rental insurance ## FAQ **What is short-term rental insurance?** Short-term rental insurance is a specialized type of insurance designed to protect property owners who rent their homes or apartments for brief periods, typically less than 30 days. This insurance covers risks associated with short-term rentals, such as liability for guest injuries, property damage, and loss of rental income. **How does short-term rental insurance work?** Short-term rental insurance typically works by providing liability coverage and property damage protection for hosts who rent out their property on a short-term basis, such as through Airbnb or VRBO. This type of insurance can help protect hosts from financial losses that may result from guest injuries or damage to the property during their stay. Short-term rental insurance policies can vary in their coverage, but they typically provide liability coverage for bodily injury or property damage, as well as property damage protection for damage to the host's property caused by guests. Some policies may also provide coverage for lost rental income if the property becomes unusable due to damage or other covered events. It's important for hosts to carefully review their policy to understand what is covered and any limitations or exclusions that may apply. **How much does short-term rental insurance cost?** The cost of short-term rental insurance varies based on several factors, including the property's location, its value, coverage limits, and the type of coverage selected. On average, premiums range from **$1,500 to $4,000 annually**, but this can increase depending on specific circumstances. **What does short-term rental insurance cover?** Short-term rental insurance typically provides coverage for: - **Liability Protection**: Covers medical expenses and legal fees if a guest is injured or if their property is damaged while on your premises. - **Property Damage**: Protects against damages to your rental property caused by guests, including theft or vandalism. - **Loss of Income**: Compensates for lost rental income if your property becomes uninhabitable due to covered damages. - **Personal Property Coverage**: Covers personal belongings within the rental property against theft or damage. **Is short-term rental insurance required?** While short-term rental insurance is not legally mandated, many property management companies and rental platforms like Airbnb or Vrbo recommend or require it. Additionally, some local regulations may stipulate that property owners carry certain types of coverage. **What’s the difference between homeowners insurance and short-term rental insurance?** The primary differences include: - **Purpose**: Homeowners insurance is intended for owner-occupied residences, while short-term rental insurance is tailored for properties rented out to guests temporarily. - **Coverage Scope**: Homeowners insurance generally does not cover incidents or liabilities related to short-term rentals, whereas short-term rental insurance offers protections specific to rental scenarios. - **Cost Structure**: Homeowners insurance often has lower premiums compared to short-term rental insurance due to the higher risk associated with renting out a property.