Protect your Memphis vacation rental business All-inclusive insurance that replaces your homeowner’s policy. 

Custom-penned for the unique risks of vacation rental and Airbnb/VRBO rental properties.

  • Proper Insurance® Policy Highlights: designed to replace your current Memphis coverage.
  • Commercial Package Policy: coverage for Memphis buildings, contents, liability, and income.
  • Building & Contents: special cause of loss (all risk), replacement cost (new for old).
  • Liability: $1,OOO,OOO/$2,OOO,OOO in Memphis commercial general liability with increased liability limits available.
  • Income: actual loss sustained Memphis business income coverage with no time limit.
  • Liability equipment, coverage bicycles, enhancements small watercraft, for animals/pets, golf carts, rec liquor, areas, pools, + more. hot tubs, exercise
  • Memphis property coverage enhancement for theft and damage caused by a renter.
  • Memphis vacancy clause removed with no standard occupancy restrictions.
  • Ordinance or law enhanced to Memphis building limits.
  • Bed bug extermination with lost business income.
  • Underwritten by Lloyd’s of London, AM Best’s Rated A.


“What if a guest was injured while staying at your Memphis rental property and claimed you liable?”

“Do you  have full lost booking income coverage?”

“Do you have full coverage if a guest intentionally or accidentally damages your property?”


  • What is considered short-term renting in Memphis?
    • In the insurance world, a property that is rented for less than 30 days at a time is typically considered short-term. A property in which the renter does not reside/live at the dwelling.

  • Why does my homeowner's policy not cover my Memphis short-term rental?
    • All homeowner's policies carry a "business activity exclusion". In other words, any claim involving a "business activity" could rightfully be denied.

  • Is my Memphis short-term rental really a business?
    • Yes. More and more cities like Austin, Santa Barbara, and Chicago are now requiring Memphis short-term rental owners to carry and pay for a business license, pay occupancy tax, and carry business liability insurance.

  • How do I get covered for business activity?
    • You buy a business insurance policy. Our policy is a business policy. It covers your business property (rental home/contents), business liability, and the business income it generates.

  • If I insure my Memphis short-term rental as a business, can I also stay there?
    • Yes. There are no standard occupancy restrictions on a business policy. This means the property is insured while you stay there, friends or family, and of course paying guests.

  • My Memphis short-term rental is also my primary residence, can I still purchase the Proper Policy?
    • Yes. If the Memphis short-term rental home is also your primary residence, Proper simply adds $1,000,000 in personal liability and $50,000 in loss of use to relocate in the event the property is being rebuilt. This is very important if you do not carry a homeowner's policy elsewhere.

  • What if I also live at the Memphis short-term rental, can I still purchase the Proper policy?
    • Yes. You have the same business exposure. We see every scenario imaginable. You live upstairs and short-term rent the downstairs. You live in the main home and rent out the guest house, etc.

  • If I have the Proper policy do I keep my homeowner's or landlord policy in place?
    • No. The Proper policy is designed to fully replace the current coverage you have. You would cancel your current policy.


You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.