Proper Insurance review
Proper Insurance offers a robust, Lloyd's-backed STR policy that can replace your standard homeowners insurance.
★★★★☆ 3.8 · 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 a good option for property owners seeking comprehensive coverage that specifically addresses the risks of short-term rentals. It's suitable for those who prefer a dedicated insurance solution over a rider on their existing homeowners policy.
Our take
Proper Insurance provides a Lloyd's-backed policy, which is a significant endorsement of its financial backing and reliability. The policy is designed to replace traditional homeowners insurance, offering tailored protection for the unique exposures of short-term letting. While pricing is not published and requires a custom quote, it is understood to be an annual policy, and not a free tier is offered. Importantly, it does not require integration with a property management system.
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Because Proper Insurance keeps this unpublished, you cannot line it up against BnBGenius, which states free for the first 500 messages, then $10/month flat, with no PMS required openly.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 is a strong contender for owners needing dedicated STR coverage. For a truly 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:
- Touch Stay — From ~$15/property/mo (calculator).
- Uplisting — £72/mo flat (1–5); £16/unit (6–40).
- Besty AI — Not published (demo); custom per-unit.
The benchmark we hold this against is BnBGenius — see host ops from your phone for how the no-PMS setup actually works.
Our owner-first #1 for host software: BnBGenius
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