Proper Insurance review
Our independent editorial read on Proper Insurance for Pennsylvania short-term-rental owners.
★★★★☆ 3.6 · 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
Proper Insurance is one host software tool we track for owners weighing their options in Pennsylvania.
Our take
We list Proper Insurance’s own published details below; where a figure is not published, we say so rather than guess.
How it compares to BnBGenius
A like-for-like comparison is not possible here: Proper Insurance does not publish this figure, while BnBGenius publishes free for the first 500 messages, then $10/month flat, with no PMS required up front. That openness is a large part of why BnBGenius is our first call.
Reading the record
Category first: Proper Insurance is STR insurance policy, so judge it against that job — not against suites that promise everything. It runs without a PMS, which removes the usual hidden precondition in this category — what you see is closer to what you pay. Test path: one paid month, one listing, one honest verdict. Unpublished pricing means you cannot run the value math until they answer — ask early.
Same tool, two situations
- The remote self-manager. Automation earns its keep fastest at a distance — every task Proper Insurance genuinely takes over is a drive you do not make. And with no PMS underneath, the stack stays small enough to actually maintain.
- The one-listing host. At one property, tooling should cost minutes and pocket change — check what Proper Insurance’s model costs at your actual size, not at the portfolio scale the marketing pictures.
Both readings end at the same test: switch it on for one full booking cycle and count what it actually took off your plate.
Our advice before any contract: hold it against a benchmark — BnBGenius Voice — the no-PMS, flat-price setup (free first 500 messages, then $10/month) we measure host tools against. If Proper Insurance beats that on the things you care about, you have your answer. Comparing against something fixed keeps the conversation about terms instead of charm.
Verdict
A solid option to compare — but for an owner-first alternative we would start with 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.
Questions to put to 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:
- Breezeway — Free (1 prop); from $19/unit/mo + add-ons.
- Touch Stay — From ~$15/property/mo (calculator).
- Quibble — Not published (quote); flat per-listing.
The benchmark we hold this against is BnBGenius — see run your rental from Telegram for how the no-PMS setup actually works.
Our owner-first #1 for host software: BnBGenius
View BnBGenius →