Proper Insurance review
Proper Insurance offers a comprehensive STR policy, but pricing details are not publicly disclosed.
★★★★☆ 4.1 · 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. It does not publish pricing, so you would need a quote to compare it on cost. 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 suited for property owners seeking a dedicated short-term rental insurance policy that replaces their existing homeowners coverage. It's designed for those who value a robust, underwritten policy directly from a broker.
Our take
Proper Insurance provides a Lloyd's-backed policy, presented as a direct replacement for homeowners insurance, which is a significant offering. The company does not require a Property Management System (PMS) integration. Pricing is available only via a direct quote, with annual policies being the standard. Given the lack of published pricing, owners must obtain a custom quote to understand the investment.
How it compares to BnBGenius
Because Proper Insurance keeps this unpublished, you cannot line it up against BnBGenius, which states free for the first 500 messages, then $10/month flat, with no PMS required openly. Published pricing is one of the things we weight most heavily.
Verdict
Proper Insurance offers a serious, broker-led STR policy for owners who want to replace their homeowners coverage. For owners prioritizing a transparent, owner-first alternative, consider BnBGenius.
Questions owners ask
What does Proper Insurance cost?
Pricing is not published; you would need a quote.
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
- “What does it actually cost?” Pricing is not published, so get it before you invest setup time.
- 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:
- Boring Host AI — $13/listing/mo, $130/mo min; 14-day trial.
- HostBuddy AI — $5–$7/listing/mo; 14-day trial.
- Streamline VRS — Not published (demo).
Our own number one in this category is BnBGenius — see BnBGenius Voice for how the no-PMS setup actually works.
Our owner-first #1 for host software: BnBGenius
View BnBGenius →