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Proper Insurance Services
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Vacation Rental Insurance Program
Vacation Rental Insurance Program

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Short term home rental can provide a steady stream of income for homeowners nationwide. However, with the rise of Airbnb and other short-term rental applications, new ordinances have come into play to regulate the process.

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New Orleans Short Term Rental Licenses

The city of New Orleans, Louisiana is offering a “pass-through” registration for property owners who list only on Airbnb, making the short-term rental license process easier for residents.

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Vacation Rental Insurance | Owner's Rule Of 3

#1Liability: The biggest insurance exposure you have as a vacation rental property owner is liability.  What if a guest were to injure themselves while staying at your property?  What if you were found liable?  Maybe the bath tub was not thoroughly cleaned and a guest slipped on soap scum?  Or worse, the house caught fire and resulted in a guest's death.  The Proper Insurance policy provides $1,000,000/$2,000,000 in commercial general liability (business liability).  You are covered.

#2 Building & Contents: The second biggest insurance exposure you have as a vacation rental property owner is the actual property itself (building and contents).  What if a guest were to accidentally burn your property down? Or steal your contents?  Or the property was occupied by a guest when a toilet leaked and destroyed your flooring? The Proper Insurance policy insures your building and contents as a business (commercial form) with replacement cost (new for old) on special form (all risk).  The reason Proper uses a commercial form is because there are no standard occupancy restrictions as in a homeowner's policy.  This means at the time of a covered loss, the property can be occupied by you the owner, friends or family, paying guests, or even be vacant. It's the only way to properly insure a short-term rental, especially if it's a vacation home or nightly rental.  You are covered.

#3 Business Income: You have worked hard to turn your property into an income generating vacation rental business. What if a tree fell on your roof and you could no longer rent your property for the summer?  Or worse, you had a total loss on the property as a result of a fire?  You need to protect your income.  The Proper Insurance policy insures your income as "actual loss sustained" with no time limit.  You are only subject to the limit of insurance you choose.​  You are covered.

The Proper Short-Term Rental Insurance Program is the most comprehensive policy on the market; covering building(s), contents, commercial liability, and business income.  All in one policy.  Get A Quote Today.
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Proper Insurance Services Inc
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Proper has launched it's new look website! https://www.proper.insure/ 

We are excited to have redesigned our website and updated our FAQ's page.
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