Storefront Community

Proper Insurance Services, LLC

     Fill out the form below if you are interested in this program.
Program Details -

Vacation Rental Insurance


Short-Term Vacation Rental Insurance: Designed to replace a current homeowners or landlord insurance policy.

Underwriter: Lloyds of London

  • A+ (Strong), Standard & Poor's
  • AA- (Very Strong) Fitch Ratings
  • A (Excellent) A.M. Best's

Binding Authority: Same day binding, All 50 states.  With a high TIV limit our program can handle about any property. With quick turn-around you can have an EPI and COI same day if needed.

Online Quoting Platform: A commercial product with no Accord forms needed.  Easy online quote in less than 5 minutes.

Custom Proposal: Proposals include agency info and logo.

Simple Binding Process: Basic binding application form.

Direct Billing: Let Proper handle the billing, which includes escrow, credit card, fully pay, and monthly finance.  A simple direct bill form.

Agency Billing: If your agency is set up to collect payment, we can agency bill.

Commissions: Paid monthly, new and renewal.  Payroll is run on the last day of each month, at which time you will be paid the previous month's effective dates.

Policy Highlights:

  • Coverage for building, contents, income, and commercial liability
  • Special cause of loss with replacement cost
  • Actual loss sustained business income
  • Trademarked property enhancement forms
  • Trademarked liability enhancement forms
  • No limit on theft
  • No animal/pet, or assault/molestation exclusion
  • No vacancy clause or occupancy restrictions
  • $1,000,000/$2,000,000 CGL
  • $1,000,000/$2,000,000 PL if rental doubles as primary home
  • Liability extended over amenities
  • Designed to replace the current coverage
  • Underwritten by Lloyd's, A.M. Best's A

Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming