By Ryan Drew | Superhost and Vacation Rental Expert | Last Updated August 14, 2026
If you’re searching for Slice Insurance vs. Proper Insurance for an Airbnb, Vrbo, or vacation rental, there is one major update you need before comparing coverage: Slice no longer offers homeshare insurance in the United States.
Slice itself is still in business. The company now focuses on digital insurance products for small businesses, including Contractors General Liability. But the pay-as-you-rent homeshare product that made Slice popular with Airbnb hosts is no longer available in the U.S.
Looking for the Old Slice Airbnb Insurance? Start With Proper
The old Slice product offered on-demand insurance for individual short-term rental stays. Since Slice no longer sells homeshare insurance in the U.S., Proper Insurance is the option I would quote first for a dedicated Airbnb, Vrbo, or vacation-rental property.
Proper is not a pay-per-night replacement for Slice. It is a full STR policy designed to replace inadequate homeowners or landlord coverage and protect the building, contents, commercial liability, guest-caused damage, and rental revenue.
Get a quick Proper Insurance quote here →
Slice Insurance vs. Proper Insurance: 2026 Update
| Feature | Proper Insurance | Slice Homeshare Insurance |
|---|---|---|
| Available to U.S. STR hosts in 2026? | Yes | No |
| Current product | Dedicated short-term rental insurance | Slice no longer offers U.S. homeshare insurance |
| Coverage model | Continuous property-level policy | Historically offered on-demand/pay-per-stay coverage |
| Replaces homeowners/landlord policy? | Designed to replace inadequate standard coverage for the STR | Historical product supplemented existing coverage |
| Commercial liability | $1M CGL standard; higher limit available | Historical product only — no longer available to new U.S. homeshare customers |
| Guest-caused damage | Accidental, intentional and malicious guest damage, theft and vandalism subject to policy terms | Historical product only |
| Business revenue | Actual-loss-sustained coverage up to selected limit | Historical product only |
| Best choice today | Proper | Not an available U.S. homeshare option |
This page previously compared two active products. It has been updated for 2026 because Slice’s U.S. homeshare insurance is no longer offered. Historical Slice details below are clearly identified so readers searching for the discontinued product can understand what changed.
Is Slice Insurance Out of Business?
No. Slice Insurance is still operating. According to Slice’s current FAQ, the company provides digital insurance products for small and mid-size businesses. Its currently listed product is Contractors General Liability, with Excess Casualty available as an add-on.
What changed is the product that matters to Airbnb hosts. Slice now states plainly in its FAQ: it no longer offers homeshare insurance in the United States.
That’s an important distinction. If you found an older Slice review describing inexpensive nightly Airbnb coverage, the article may have been accurate when written—but that product should not be presented as something a U.S. host can buy today.
What Happened to Slice Homeshare Insurance?
Slice was an early insurtech company in the on-demand economy. Its homeshare product became notable because hosts could purchase insurance around individual rental stays rather than carrying the same type of continuous STR policy year-round.
The original version of this Rental Recon article described Slice as an on-demand, pay-as-you-rent supplemental policy used alongside homeowners insurance. It also cited historical pricing beginning around $7 per night. Those details explain why Slice attracted occasional Airbnb hosts, but they are now historical information—not a current offer.
Slice’s current website no longer markets that U.S. homeshare product. Instead, its public product lineup has shifted toward small-business insurance.
Can You Still Buy Slice Insurance for Airbnb?
Not the old U.S. Slice homeshare insurance product. If your goal is to insure an Airbnb, Vrbo, or other short-term rental in the United States, you should compare currently available STR insurance rather than relying on old Slice reviews or pricing.
This also means there is no meaningful 2026 quote comparison between Slice Homeshare and Proper. One product is available to U.S. STR owners; the other isn’t.
Proper Insurance: Our Preferred Slice Alternative for Serious STR Hosts
Proper Insurance takes a very different approach from the old Slice product. Instead of turning coverage on for individual rental nights, Proper offers a continuous policy built specifically around the risks of operating a short-term rental.
Proper’s current policy is designed to replace inadequate standard homeowners or landlord coverage for a vacation rental. Its core protection includes the building and contents, Commercial General Liability, guest-caused property damage, and business revenue.
Building & Contents
Proper currently provides replacement-cost coverage for the building and contents. It also advertises no occupancy restrictions, meaning coverage is designed to remain in place whether the property is occupied by the owner, short-term guests, friends or family, or is vacant, subject to the issued policy.
Guest-Caused Damage & Theft
Proper’s Property Entrustment coverage specifically addresses a major STR exposure: handing your keys to a paying guest. Proper currently says it covers accidental, intentional, and malicious guest-caused damage as well as theft and vandalism, with no separate guest-damage sublimit. Covered losses remain subject to the applicable building and contents limits and policy terms.
Commercial General Liability
Proper currently includes $1 million of Commercial General Liability as standard, with a $2 million option. The coverage is designed around the business exposure created by paying guests and can extend to common STR amenities such as pools, hot tubs, bicycles and certain watercraft.
Business Revenue
If a covered loss makes the property unrentable, Proper’s current program provides business-revenue protection on an actual-loss-sustained basis up to the amount selected. This protects the income-producing side of the STR rather than only repairing the physical building.
For a much deeper analysis of the policy, pricing, customer feedback, claims considerations, and who should buy it, see our Proper Insurance Review.
Old Slice Insurance vs. Proper: Why Hosts Originally Compared Them
The old comparison made sense because Slice and Proper represented two very different ways to insure a homeshare.
Slice historically appealed to occasional hosts. Its on-demand model meant a host could purchase supplemental coverage around rental activity rather than paying for a dedicated STR policy throughout the year. That was particularly attractive to someone renting a primary residence only a few nights each month.
Proper appealed to owners wanting continuous, property-level STR insurance. Instead of supplementing a homeowners policy only during selected stays, Proper was designed to cover the property continuously under a policy built around short-term rental use.
That historical distinction is still useful because it explains why people continue searching for “Slice vs. Proper.” But it no longer represents a choice a new U.S. host can actually make.
What Should Former Slice Customers Look for in a Replacement?
If you liked the old Slice concept, don’t shop only by premium. Compare what the replacement actually covers. I would check these areas first:
- STR use explicitly permitted: The insurer should know that paying short-term guests occupy the property.
- Guest-caused damage: Check accidental, intentional and malicious damage as separate questions.
- Theft and vandalism: Ask specifically about losses caused by or involving a guest.
- Commercial liability: Determine whether liability is designed around the rental business rather than only personal residential exposure.
- Lost rental revenue: Understand how income is calculated after a covered shutdown.
- Building and contents valuation: Compare replacement cost versus depreciated/actual-cash-value settlement.
- Amenities: Disclose pools, hot tubs, bicycles, kayaks, docks, golf carts and other guest-facing features.
- Occupancy: Confirm what happens during personal use, guest stays and vacancy.
Is Proper the Same Kind of Insurance Slice Used to Sell?
No—and that’s worth emphasizing. Proper is not simply the new version of Slice’s old $7-per-night concept. Proper is a continuous STR policy intended to insure the property and rental business itself.
That can make Proper more insurance than an extremely occasional host wants. Someone renting a primary residence only a handful of nights per year should also ask their existing insurer whether an appropriate home-sharing endorsement is available.
But for a dedicated Airbnb, Vrbo, or vacation-rental investment, I prefer the continuous approach. A serious STR has exposure even outside an individual reservation: storms, fires, water losses, vacancy, property damage, lawsuits, and lost business revenue don’t neatly conform to a pay-per-night calendar.
Other Slice Insurance Alternatives for Vacation Rentals
Proper isn’t the only current STR option. Depending on the property, you may also want to compare CBIZ Vacation Rental Insurance, Foremost, or other companies that explicitly accept short-term rental use.
We’ve already compared two of those options directly: Proper Insurance vs. CBIZ and Foremost vs. Proper Insurance.
You can also see the broader market in our Short-Term Rental Insurance Companies directory and our Best Airbnb & Short-Term Rental Insurance guide.
Slice Insurance vs. Proper FAQs
Is Slice Insurance still in business?
Yes. Slice is still operating as an insurance technology company. Its current U.S. products focus on small-business insurance rather than homeshare insurance.
Does Slice still offer Airbnb insurance?
No. Slice’s current FAQ says it no longer offers homeshare insurance in the United States. Older articles describing Slice’s pay-per-night Airbnb coverage are discussing a discontinued U.S. product.
Can I still get Slice’s $7-per-night homeshare insurance?
No. The approximately $7-per-night figure in older reviews referred to Slice’s historical on-demand homeshare product. Slice no longer offers U.S. homeshare insurance, so that old pricing should not be treated as a current quote or available product.
What is the best alternative to Slice Insurance for Airbnb?
For a dedicated short-term rental, Proper is my preferred Slice alternative because it provides continuous STR-specific protection for the building, contents, commercial liability, guest-caused damage, and business revenue. CBIZ is another strong dedicated vacation-rental insurance option, while Foremost can fit some owners who prefer customizable landlord coverage.
Is Proper Insurance better than the old Slice homeshare policy?
They were designed for different users. Slice’s old product was attractive to occasional hosts because it was on-demand. Proper is better suited to owners who want continuous, comprehensive insurance designed around a short-term rental business. Since Slice no longer offers U.S. homeshare insurance, Proper is also the only one of these two currently available for a new U.S. STR policy.
Final Verdict: Slice Insurance vs. Proper Insurance in 2026
The old Slice vs. Proper debate is effectively over for U.S. Airbnb hosts. Slice is still a real company, but its homeshare insurance product is no longer available in the United States.
That makes the current decision less about choosing Slice or Proper and more about finding a replacement for the type of STR protection you expected Slice to provide.
For a dedicated short-term rental, Proper is my first choice. It provides continuous coverage designed around the property and STR business, including replacement-cost building and contents protection, Commercial General Liability, guest-caused damage and theft, and business-revenue protection.
If you only rent your home occasionally, compare Proper with any legitimate home-sharing endorsement your existing insurer can offer. But if the property operates primarily as an Airbnb, Vrbo, or vacation rental, I would start by seeing what Proper costs for the actual property.
