Proper Insurance review

Updated September 30, 2026 · AssureCue Editorial Team · Facts checked September 30, 2026

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Our verdict

Proper Insurance suits hosts who let short term rentals and want property plus public liability cover in a rental focused package. Active since 2014 with indemnity limits of $1,000,000 to $2,000,000, it fits landlords seeking dedicated rental protection rather than general business cover.

Key facts

Best for
Short term rental hosts seeking property and liability cover
Provider type
Mga (Source, checked September 30, 2026)
Cover types
Property, Public-liability (Source, checked September 30, 2026)
Indemnity limit
$1,000,000 to $2,000,000 (Source, checked September 30, 2026)
Industries
Short-term rentals (Source, checked September 30, 2026)
Legal entity
Proper Insurance Services LLC (Source, checked September 30, 2026)
Headquarters
United States (Source, checked September 30, 2026)
Founded
2014 (Source, checked September 30, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 30, 2026)
Official website
proper.insure

Apps and profiles

Elsewhere
LinkedInXTrustpilotfacebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • Covers property and public liability, keeping property and public liability together for rental use.
  • Indemnity limits of $1,000,000 to $2,000,000 give room for higher value rental exposures.
  • Specialist focus linked to Short-term rentals suits hosts rather than general businesses.
  • Support through email, phone and help centre includes phone plus email and help centre resources.

Cons

  • Focus stays on rental risks linked to Short-term rentals, so general trades may need broader cover.
  • Operates as mga, so underwriting sits with carrier partners rather than in house.
  • Support runs on email, phone and help centre only, without live chat for urgent queries.
Proper Insurance

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Scored 8.4 / 10 by AssureCue.

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Who it suits

  • Hosts letting short stay homes who want rental focus rather than the broader commercial mix at Hiscox.
  • Owners managing guest turnover who value phone support and may find Porto Seguro less rental centred.

Who should look elsewhere

  • Readers who want a generalist insurer rather than a rental specialist may prefer Hiscox for broader commercial appetite.
  • Readers based outside rental activity linked to US may prefer die Bayerische where local presence matters.

The company behind it

Proper Insurance Services LLC is the legal entity behind the brand, associated with Proper Insurance Services LLC. The business is based in the market linked to US, and its work centres on rental related needs rather than general commercial lines. That setup shapes the way cover is presented, with attention on property use, guest activity and the duties that come with letting homes on a short stay basis. Activity dates from 2014, with 2014 marking the start of a specialist path. Since that time, the focus has stayed on rental exposures, which gives the operation a clear identity among providers that serve wider commercial audiences. Readers who compare agencies often look at how long a specialist has served its niche, and the period since 2014 provides context for that review. The base linked to US also matters, since rental rules, contracts and claims practice vary by place. A base in that market helps align wording, service hours and documentation with local expectations, while readers elsewhere should confirm fit for the site of the risk. Support is provided through email, phone and help centre, which covers email, phone and help centre routes. Email suits records, quotes and document exchange, while phone suits time sensitive questions around new lets, changes to use and pending claims. The help centre suits background reading, with guides that explain terms, eligibility and routine steps in plain form. Together, the routes linked to email, phone and help centre give readers choice in how to raise queries without relying on a single contact method. The legal standing linked to Proper Insurance Services LLC gives readers a clear name for checks, correspondence and records. That clarity helps when comparing quotes, filing documents and keeping policies tied to the correct entity across renewals. It also helps advisers and managers who act for owners and need consistent naming across mandates. The history since 2014 supports a steady message, with rental needs at the centre rather than added as an extension. That steadiness can matter to owners who want wording shaped around guest stays, turnover of occupants and the wear that comes with frequent use. It also matters to managers who place cover across a set of homes and want similar terms across each address. Location linked to US shapes service style, language and documentation. Readers should review how that base affects payment, tax treatment and claims contact, and should confirm that the property location is accepted before proceeding. Where portfolios span areas, each address should be checked on its own facts. Contact through email, phone and help centre remains central to service. Readers who value voice contact can use phone, while readers who prefer written trails can use email. The help centre linked to email, phone and help centre supports self review at any hour, which helps owners who manage lets alongside other work. Taken together, the entity linked to Proper Insurance Services LLC, the base linked to US, the period since 2014 and the routes in email, phone and help centre describe a focused agency. Readers who want rental centred cover with direct access to staff and written resources will see the appeal, while readers who need wider commercial lines should compare options before deciding.

How Proper Insurance compares

Where Proper Insurance is available

Available
United States

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

What type of business does Proper Insurance cover+

Proper Insurance focuses on rental activity linked to Short-term rentals, covering property and public liability. That focus suits hosts who let homes to guests and want property and liability addressed together rather than through separate general policies.

Is Proper Insurance an insurer or an agency+

Proper Insurance operates as mga under the name associated with Proper Insurance Services LLC. Cover is arranged through carrier partners, which is common for specialist agencies that place niche rental risks rather than carrying risk directly.

What indemnity limits are available+

Limits are shown as $1,000,000 to $2,000,000. Readers should match the limit to property value, guest exposure and contract terms, then check deductibles, exclusions and excess layers before choosing between available limit options.

How long has Proper Insurance been active+

The business has been active since 2014 and is associated with Proper Insurance Services LLC. That history points to a specialist agency built around rental cover rather than a generalist provider that added rentals later.

Where is Proper Insurance based and who can apply+

The head office base is linked to US, and cover is shaped around rental activity there. Readers outside that base should confirm eligibility, policy wording and claims handling for the location of the rental property.

How can customers contact Proper Insurance+

Help is available through email, phone and help centre. Readers can call for urgent cover questions, use email for documents and records, and use the help centre for guides on cover, eligibility and rental related claims.

How does cover start for a new host+

Start with details of the rental, occupancy pattern and cover needs around property and public liability. Then compare limits of $1,000,000 to $2,000,000, review exclusions, gather property documents, and contact support through email, phone and help centre to arrange cover.

Sources

Compiled from 5 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: Premium from.

Proper Insurance

Proper Insurance

Short term rental hosts seeking property and liability cover

8.4/10See alternatives

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