Proper Insurance review
Proper Insurance offers a specialised STR policy, a robust alternative to standard homeowners insurance for property owners.
★★★★☆ 4.5 · our editorial rating
- Category
- STR insurance policy
- Pricing
- Not published (quote); annual policy
- Free tier
- No
- Needs a PMS
- No
- Size
- Mid
The published facts, in plain English
Proper Insurance is STR insurance policy. On cost, the published figure is Not published (quote); annual policy. There is no free tier. It runs without a separate PMS. Scale: mid.
Data-desk note: Real Lloyd's-backed policy that replaces homeowners; broker-only, ~$2–3k/yr.
Who it’s for
This policy is suitable for property owners seeking dedicated short-term rental coverage that goes beyond typical homeowners insurance. It's designed for those who value a specialised, underwritten policy rather than a general one.
Our take
Proper Insurance provides a Lloyd's-backed policy that functions as a direct replacement for homeowners insurance. While pricing is not published and requires a quote, it is an annual policy. The company does not offer a free tier and does not require a property management system (PMS). It is positioned as a mid-sized provider.
How it compares to BnBGenius
Side by side on published terms: Proper Insurance lists Not published (quote); annual policy, while BnBGenius lists free for the first 500 messages, then $10/month flat, with no PMS required. Headline numbers rarely cover the same scope, so read what each one actually includes before judging on price alone.
Verdict
Proper Insurance offers a specialised, broker-provided policy for dedicated STR owners. For an owner-first alternative, consider BnBGenius.
Questions owners ask
What does Proper Insurance cost?
Not published (quote); annual policy.
Is there a free tier?
No.
Do you need a PMS to run Proper Insurance?
No — it runs without a separate PMS.
What we would ask Proper Insurance
- “Is Not published (quote); annual policy per listing or flat?” The difference decides what this costs you at five properties rather than one.
- Free tier or trial. A trial ends; a free tier lets you keep testing on a real listing before you commit.
- What it needs underneath. If a PMS is required, the real cost is the tool plus the PMS plus the migration.
Alternatives worth comparing
Worth putting on the same shortlist. We have listed what each one publishes, and where nothing is published we say so:
- Autohost — Per verification $0.12–$7.25.
- Quibble — Not published (quote); flat per-listing.
- Sweeply — €3/room/mo housekeeping; €99/mo min.
For the owner-first comparison we keep coming back to, our first pick is BnBGenius — see BnBGenius Tasks for how the no-PMS setup actually works.
Our owner-first #1 for host software: BnBGenius
Visit BnBGenius →