Proper Insurance review
Proper Insurance offers a specialised STR policy, backed by Lloyd's, designed to replace your standard homeowners policy.
★★★★☆ 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 is for property owners seeking a dedicated short-term rental insurance policy rather than a rider or endorsement on a homeowners policy. It's suitable for those who prefer a broker-only model and are comfortable with an annual premium.
Our take
Proper Insurance provides a specific STR policy, which is a significant advantage over a standard homeowners policy. It's noted as a real Lloyd's-backed policy, offering robust coverage. The company does not publish its pricing, requiring a custom quote, and operates on an annual policy basis. A Property Management System (PMS) is not a requirement for their policies.
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Because Proper Insurance keeps this unpublished, you cannot line it up against BnBGenius, which states free for the first 500 messages, then $10/month flat, with no PMS required openly.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 specialised, Lloyd's-backed policy for STR owners. For an 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 to pin down with 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
Three others we would weigh against it, with their own published numbers rather than our guesses:
- Doinn — Not published (quote); Power-Ups €25+€0.80/prop.
- Touch Stay — From ~$15/property/mo (calculator).
- SuiteOp — Not published; ~$6–$8/unit/mo (3rd-party); 1-mo trial.
The benchmark we hold this against is BnBGenius — see a full-service Airbnb manager for how the no-PMS setup actually works.
Our owner-first #1 for host software: BnBGenius
See BnBGenius →