Proper Insurance Services

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50 Citizens Way Ste 410
Frederick, MD 21701

Proper Insurance Services in Frederick, MD specializes in providing short-term rental insurance for property owners and hosts. Their policies offer comprehensive coverage for property and liability risks that are typically not covered by standard Homeowners and Landlord insurance. Proper Insurance fills crucial coverage gaps, ensuring protection during personal use, guest stays, and vacancy periods.

As an endorsed insurance provider by Vrbo, Proper Insurance offers exclusive property and liability coverage for Vrbo owners. Their policies also cater to Airbnb hosts, addressing the limitations of traditional insurance carriers' home-sharing endorsements. Proper Insurance stands out for its unmatched protection tailored specifically for short-term rental properties.

Proper Insurance's expertise extends to rental arbitrage, providing the industry's only comprehensive insurance solution for rental arbitrageurs. The company prides itself on its in-house claims experience and a team of super agents who offer world-class service throughout the insurance process. With a focus on education and comprehensive coverage, Proper Insurance ensures a second-to-none insurance experience for short-term rental owners.

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Reviews

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4.5118 reviews
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Jake G.
1/6/2026

Joseph Nichols and Proper Insurance are fantastic. They offer no-pressure, honest service, are consistently easily reachable and wonderful to work with overall. I highly recommend Joe and PI to...

Danni K.
12/31/2025

I worked with Cali on a claim for one of our units covered by Proper Insurance. She was wonderful, and made it seamless. Highly recommend !

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Susan M.
8/28/2025

After being somewhat reluctant to go with Proper over my current carrier, I cannot tell you how glad I am! My first claim was handled extremely fast and they are all extremely professional to work...

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Mim H.
10/29/2024

Heads up! Proper Insurance does not cover mold damage. They'll only cover freak accidents but nothing related to water damage, fungus, wear and tear. Ours was due to landlord's negligence but you...

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Nejla R.
7/29/2025

I have used Proper Insurance at my short-term rental property for several years because of their policies catering to short-term rentals. They are easy to work with and responsive by phone or...

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