It wasn’t your dog, but it is your problem...
As a short-term rental host, you can be held liable even when you think you shouldn't be.
Proper Insurance will defend you with no deductible.
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Why Homeowners policies fail short-term rental hosts
Standard Homeowners insurance was written for owner-occupied homes. The moment you rent to guests, those policies stop working. A guest's dog bites someone, or destroys the kitchen, and your insurer denies the claim because you were running a business.
The Proper Policy includes coverage for Pet & Animal Liability
From “friendly” pets to unexpected wildlife encounters, animal-related incidents can become costly for short-term rental owners.
Liability
Protection up to your policy limit ($1M+) and includes coverage for legal expenses.
Coverage for guest injuries from wildlife incidents such as bears, snakes, alligators, etc.
Get reimbursed for professional extermination costs and up to one week of lost rental revenue.
Commercial-grade liability protection that’s designed to extend past your property line.
No exclusions for aggressive dog breeds and inclusive protection for wildlife incidents.
Expect expert claims handling and customer service from the start by Proper’s own claims team.
When you open the door to guests, you also welcome risk
Every new guest brings a unique set of risks.
Standard insurance wasn't built for what comes through your revolving door—Proper Insurance was.
The industry's only Commercial Homeowners policy for short-term rentals
Still have questions?
Answers to common concerns about pet and animal coverage.
Usually not. Standard Homeowners policies frequently limit or exclude pet damage and dog bites. Proper's commercial-grade liability coverage starts at $1M and is specifically designed to close these gaps.
Not reliably. Your name isn't on the AirCover policy, which means you have no policy rights—Airbnb decides if, what, and how much they cover. Proper gives you dedicated coverage for your short-term rental property, liability and revenue, including animal-related liability and guest-caused pet damage.
Yes—and it happens regularly. The average dog bite claim in the U.S. approaches $70,000 in medical expenses, legal fees, and settlements. Proper's policy includes liability coverage starting at $1M, with a $2M option available.
Absolutely—no breed restrictions, no exceptions. Whether it's a Pit Bull, Rottweiler, Doberman, or any other traditionally excluded breed, Proper defends you.
Insurance is confusing.
We're here to help.
Speak with one of Proper's Super Agents now to discuss your short-term rental business & coverage questions.
Protect your short-term rental with Proper Insurance
Protect your property, liability and revenue with the Proper policy, coverage designed for short-term renting.
