Proper Insurance Review & Ratings (2024)
Expert insurance guidance and resources to simplify your insurance decisions and bring peace of mind. Trust Proper Insurance for comprehensive coverage and expert advice tailored to your needs. Navigate insurance complexities effortlessly with our trusted resources and find the perfect coverage for you.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Proper Insurance
Average monthly rate for renters:
N/AA.M. Best rating:
N/AComplaint level:
LowPros
- Comprehensive coverage tailored for short-term vacation rentals
- Positive customer reviews and a high rating from the Better Business Bureau
- Innovative digital tools and a user-friendly mobile app for policy management
Cons
- Limited online account management options
- Some customer complaints about the time taken for claims processing
Final Verdict: Review of Proper Insurance
Although short-term renting is popular today, it is still a relatively new industry. Proper Insurance is ahead of the curve, offering one of the first comprehensive plans that combine homeowners, landlord, and commercial insurance into one policy.
Whether you rent the entirety of your home or a single bedroom, Proper Insurance can make sure you have the coverage you need. You can compare prices for homeowners policies that include a short-term rental add-on, but it might be challenging to find a similar product.
What You Should Know About Proper Insurance
Welcome to Proper Insurance, your go-to resource for all things insurance-related. In this article, we will cover key topics such as understanding different types of insurance coverage, tips for finding the right policy, and navigating the complexities of insurance claims. Whether you’re looking for auto, home, health, or any other type of insurance, we have you covered.
Our expert guidance and comprehensive resources will simplify your insurance decisions and bring you the peace of mind you deserve. To ensure you get the best rates from top insurance providers in your area, enter your zip code below and compare rates now. Don’t miss out on the opportunity to secure the perfect insurance coverage tailored to your needs.
Proper Insurance Coverage Options
One of the defining characteristics between long- and short-term rental properties is that the owner usually spends time living in the property.
You will need homeowners insurance to protect your home while you are living in it. Homeowners policies typically include:
- Dwelling protection. This is the part of the policy that protects the physical structure of your home, including detached structures like fences, pools, and garages. Dwelling coverage protects your home from fire, theft, lightning, fire, and vandalism.
- Personal belongings. The physical structure of your house is not the only thing that makes your home. An essential aspect of your home insurance is protecting your belongings, including furniture, appliances, and clothes.
- Liability. Since visitors can sue you if they are injured on your property, a solid liability plan is critical for short-term renters. Liability helps pay your legal bills if you are sued after being found responsible for an injury.
These are the main characteristics of a homeowner policy, but there are many others. For example, many insurance companies offer additional flood, earthquake, or other specialty plans.
Proper does not list the homeowners options available for its insurance plan, but you will learn all the details when you speak with an agent.
Proper Landlord Insurance
Landlord insurance is important for people who rent their homes (or other properties, like complexes or condos). For people that rent a property for long-term tenants, landlord insurance covers dwelling protection and liability similar to homeowners.
Where it mainly differs is that it does not cover your personal belongings. It does cover things that you need to maintain your rental, such as lawnmowers or tools.
The landlord potion of Proper’s policy includes bed bug coverage (as long as it causes a loss of income), liability for exercise or entertainment equipment, and liquor liability for the host.
Proper Commercial Insurance
Renting your home is considered a business, and you’ll need commercial insurance to protect your interests.
Commercial insurance’s main point of interest for short-term rentals is the loss of income protection. If your home is damaged and you can’t rent it while repairs are being done, Proper’s commercial insurance will reimburse you the money you would’ve made.
Most commercial rental insurance limits how long you can claim lost income. Proper sets no such limitations and will pay you as long as your home cannot be rented, as long as repairs are being actively made.
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Proper Insurance Rates Breakdown
Getting an idea of how much Proper Insurance costs is difficult because there is so much variety in rental properties. Some people rent out multi-million-dollar homes, while others offer a cozy bedroom.
Keeping this in mind, the average cost of rental insurance through Proper is about $125-291 a month. Of course, several factors will affect this price, including:
- Location
- Size
- Bedroom count
- Safety features
- If you use a property manager
- If your property is in a gated community
- How long you live in the property
- Liability risks, such as bunk beds
- If the property is located by water
- Age of the property
It is not easy to compare Proper Insurance with other companies because its coverage options are relatively unique. You can buy homeowners insurance with a rental add-on, but the policy will be very different.
Another unique aspect of Proper is that they offer an easy online tool to get quotes, which is uncommon for rental insurance.
Frequently Asked Questions
What is Proper Insurance?
Proper insurance refers to having the right type and amount of coverage for your specific needs and circumstances. It ensures that you are adequately protected in the event of an accident or other covered loss.
What is Proper Insurance, and what does it offer?
Proper Insurance is a company that provides property and casualty coverage for homes that are rented out for short-term vacations, such as on Airbnb or Vrbo. The policies offered by Proper Insurance are tailored to the unique needs of vacation rental property owners and combine homeowners, commercial, and landlord insurance. Proper Insurance policies include homeowners insurance, landlord insurance, and commercial insurance.
What types of properties are eligible for Proper Insurance?
Any property that is used for short-term renting can be covered by Proper Insurance, including full-time rental homes, homes that the owner lives in for part of the year, and homes where the owner rents out a single room.
How can I buy a policy from Proper Insurance?
You can buy a policy from Proper Insurance by phone or on the website. As short-term vacation policies are relatively new, finding an independent agent to buy from may be difficult.
What does Proper Insurance homeowners insurance cover?
The homeowners insurance component of a Proper Insurance policy protects your home while you are living in it and typically includes coverage for fire, theft, vandalism, and other perils. Additional options like flood, earthquake, or other specialty plans may also be available.
What does Proper Insurance landlord insurance cover?
The landlord insurance component of a Proper Insurance policy covers dwelling protection and liability similar to homeowners insurance but does not cover personal belongings. It also includes bed bug coverage, liability for exercise or entertainment equipment, and liquor liability for the host.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.