Proper Insurance ServicesReviews of proper.insure

At the end of 2022, I decided that I would like to start to rent my second home in Vermont. Little did I know that the search for an insurance company was going to be an unbelievably difficult task. Each company I contacted seemed to have quirky exclusions, some required unique alterations before insuring me, (e.g. a security system must be installed with alarms for all windows ---I have 47 in the house!) and others were just plain obtuse or unresponsive. After several months and MANY hours researching potential insurers, I came across Proper. From the beginning, the experience with them was 180 degrees from what I had experienced with the other carriers. To a person, they were clear, open, honest, responsive and team oriented. Taylor Stults, the agent on my account was especially attentive and helpful. I explained my situation and she carefully went through each of my options, explaining them in terms I could clearly understand. I can’t say enough good things about her. Before signing the final policy, I ran it by my insurance broker who I use for my primary residence and other insurance needs. He has been in the business for many years and is known for his very conservative approach to limiting risk exposure for his clients. His feedback --- “It’s an outstanding policy, Donna---comprehensive, clear and thorough! You really can’t do better.” This year I received my renewal quote. The premium had increased and rather than hiding that fact, Proper upfront offered a clear and concise explanation of why. Once again, I reached out to Taylor and she helped me sort out what coverage I should clearly maintain to meet my specific goals/needs, and what optional items might be eliminated that would reduce my premium but not add substantial risk to me. I clearly feel like it’s a partnership and I’m being well taken care of. I would highly recommend Proper Insurance to anyone looking for exceptional coverage, at a reasonable cost, with superior customer service. Truly ---they stand out in the industry!

I had an incredibly smooth and prompt claims process with Elizabeth Douma and the Proper team!

Thank you Sarah Elgin, the service received was exceptional and superior! Sarah made sure that all of our concerns were addressed for billing renewal and underwriting questions needed to make sure we renew timely. Proper Insurance is the best, we have new projects and we will certainly continue our relationship.

Our adjuster was Matthew Stewart and he was great to work with! Was easy to talk to, reasonable and stood in our corner through the entire claims process. Really happy with Proper!

My agent, Taylor Stults, went above and beyond throughout the process, crafting a bespoke coverage plan to fit my needs in South Florida at a fair price. She is a true asset to your firm and the most knowledgeable and communicative professional I've worked with in the STR industry. The educational emails that Proper provides are a goldmine of knowledge. I will be recommending Proper & Taylor to all of my peers in the STR industry.

We just took out Proper Insurance for our vacation rental property. I can’t speak yet to the insurance from a claim perspective, but I can say that the service I received in setting up the policy with Taylor Stults at Proper was superb! She got back to me promptly with any questions I had and made the process so easy for me.

Taylor was quick to get back to me and answered all of my questions.

Cade and Cali have been great. We have used Proper insurance for years and will continue to use them for all of our short term rentals.