Proper Insurance Services, LLC

About Proper Insurance Services, LLC

Proper Insurance Services is a managing general agency that designs and underwrites specialty insurance programs for short-term rental property owners. The company’s policy bundles homeowner, landlord, and commercial coverage into a single contract tailored for platforms like Airbnb and VRBO. Headquartered in Bozeman, Montana, Proper operates in all 50 states through surplus-lines paper and partners with national carriers to provide replacement-cost coverage, income loss protection, and liability limits. It was founded in 2012 after a vacation-rental fire exposed gaps in standard policies and now serves tens of thousands of hosts from individual homeowners to large-scale managers.