Proper Insurance for multi-channel operators
Operators listing on three or more channels (Airbnb, Vrbo, Booking.com, Expedia, Agoda, Google Vacation Rentals).
Our verdict for multi-channel operators
Great fit
Multi-channel hosts face the widest range of liability scenarios — Proper's coverage breadth matches that exposure better than any competitor.
Why it fits you
- One policy covers all your channels instead of relying on each platform's patchwork protections
- Amenity liability and squatter coverage are channel-agnostic risks that grow with listing diversity
- Commercial general liability up to $2M provides a single umbrella across all booking sources
What might bite you
- Premium pricing compounds the cost pressure multi-channel hosts already face from multiple platform fees
Best-for-you alternatives at this size
- InsuraGuest Great fit
If you're distributing across Airbnb, VRBO, and Booking.com via a connected PMS, InsuraGuest gives you one blanket policy and one guest-fee pattern across all channels.
From $69 • No free trial · Affordable flat-rate guest protection layer for PMS-connected operators
- Awning Insurance Okay fit — consider alternatives
The carriers themselves underwrite STR regardless of channel mix, but Awning's marketplace doesn't differentiate or guide based on multi-channel operations.
From $40 • No free trial · Useful triage page for new Airbnb investors; thin if you already know the STR carrier landscape
- CBIZ Vacation Rental Insurance Okay fit — consider alternatives
CBIZ covers the property regardless of where it's listed, so multi-channel hosts get the same policy benefits — but there's no software-side integration with channel managers or PMSs.
Contact sales • No free trial · Established specialty STR insurer — but you'll need to call for a quote
Still think Proper Insurance is right for you?
Contact sales • No free trial