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Hey there! We're Air Hostd, a bunch of Rhode Island real estate enthusiasts who stumbled upon home sharing back in 2015, and we haven't looked back since. Fast forward to today, and we've become the go-to folks for Airbnb management in the area. We've hostd tens of thousands of guests from all corners of the globe and helped hundreds of owners realize their short-term rental goals.

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The Importance of Landlord Insurance: A Deep Dive into OBIE and Proper Insurance

Understanding Landlord Insurance 

Landlord insurance is an essential shield for property owners, especially in the context of Airbnb and VRBO rentals. Unlike traditional homeowner's insurance, which focuses on personal residences, landlord insurance is specifically designed to cover properties rented out to tenants. It typically includes property damage, liability coverage, and loss of income, which are crucial for rental property owners. 


When narrowing down the options for landlord insurance in Rhode Island, OBIE and Proper emerge as the top choices. OBIE's emphasis on simplicity, affordability, and transparency, combined with its innovative technology, makes it an attractive option for landlords seeking a straightforward and efficient insurance experience. On the other hand, Proper Insurance offers specialized coverage for short-term rental hosts with a focus on comprehensive protection. 


OBIE vs. Proper

While both OBIE and Proper Insurance offer comprehensive coverage for rental properties, they cater to slightly different needs. OBIE is known for its user-friendly, technology-driven approach, offering instant quotes and customizable policies for a wide range of property types. In contrast, Proper Insurance provides extensive coverage with specific enhancements tailored for the short-term rental market. 


Proper Insurance: Comprehensive Coverage for Short-Term Rentals

Proper Insurance provides a broad range of coverage specifically designed for short-term rental properties listed on Airbnb and VRBO. Their policy includes commercial business liability, building and contents coverage, and business income protection. Unique enhancements like property entrustment, pet & animal liability, bed bug & flea protection, squatter protection, and off-premises amenity coverage are part of their offering. Proper Insurance's focus on short-term vacation rentals makes them a robust choice for Airbnb and VRBO property owners. 


OBIE Insurance: Reinventing Landlord Protection

OBIE Insurance stands out for revolutionizing the insurance process for landlords and real estate investors. They offer a simple, affordable, and transparent approach to insurance. OBIE streamlines the process, allowing landlords in all 50 states to get instant quotes in two minutes or less, making it easy to get coverage and protect your investment. OBIE offers insurance for various dwellings, including single-family rentals, multi-family homes, duplexes, condos, and apartment buildings. They even cover properties used for short-term rentals like Airbnb, or those that are vacant or under renovation. OBIE's insurance experience is enhanced by its customer service, quick-quote process, and types of properties covered. Their use of technology and data-driven approach allows them to provide competitive pricing and transparency. 


Conclusion: Opting for OBIE’s Efficiency and Savings

For landlords prioritizing efficiency, savings, and comprehensive coverage, OBIE is the more favorable option. Their approach of leveraging technology to simplify the insurance process, combined with competitive pricing and coverage flexibility, aligns well with the needs of most landlords. While Proper Insurance remains a solid alternative for those with specific needs in short-term rentals, OBIE's blend of features makes it a standout choice for a broad range of rental property owners.

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