Proper Insurance ServicesReviews of proper.insure

The salesman will say whatever it takes for you to make that premium payment and then afterwards, the customer service will hound you for full inspection report. Given this behavior, I can't trust any future real claims processing will be any easier as they'll probably be much of the same so I cancelled my policy fully today. Fortunately if you cancel within a 30 day window to cancel to get full refund but my impression stands.

I have a cancelation request and they simply ignore my emails and refunding the money. They charge enormous bills every year and yet they don't even provide timely customer support.

So far not getting good communication back from a claim filed... as my calendar is marked off waiting... trying to connect with the adjuster seems a be a major challenge. Always goes straight to vm. Left a message for a call back and instead recieved a email last night of what they want to pay out rather then a call back. Responded to that email requesting a call to discuss and nothing back. Called several more times the days following and straight to vm again. Called customer service twice. Once they said we would recieve a call back that day... nothing. Called back the next day and was told to schedule an appointment online to speak with the adjuster... it was said they have 72 hrs to respond. Is it not normal to call your customers to go over your settlement or discuss issues? Our loss of income was not listed either. This delays the process... a phone call can be supreme in customer service and a faster resolve to issues.. much more effective. I got this insurance bc of all they offered but second thinking this.... no sense in paying extra if the services aren't there when you need them. We have questions about this claim... I left comments on Facebook and a review. I see proper Insurance responding to the positive feedback and inquiries but nothing for the negative. Im surprised by that with a company that claims they are great.

⚠️ My Experience With Proper Insurance — Please Read Before You Buy I wanted to share my recent experience with Proper Insurance, especially for anyone in the Airbnb or short-term rental community who might be considering them. I would recommend looking somewhere else. I’ve been trying to work with them on a simple quote for a while now, and the communication has been extremely poor. They are almost never available, and I was repeatedly told that the person I needed was “out to lunch.” This happened multiple times, with no one calling me back afterwards. I’ve escalated my concerns three times and still have not received a response from anyone. For a company that supports customers across the entire country, their limited availability just doesn’t work. If basic questions and follow-ups are this hard to get, I can only imagine how difficult a claims process might be. Sharing this in hopes it helps others who are weighing their insurance options for STRs.

If you are considering Proper Insurance, please read this first. In my experience, this has been one of the most frustrating insurance companies I’ve ever dealt with — especially when it comes to filing a claim. Instead of providing support during a difficult situation, they send extremely long, repetitive email requests that go in circles and never lead to meaningful progress. They ask for information that no other insurance carrier has ever required of me, including details that feel unnecessary, invasive, or irrelevant to resolving the claim. It often feels like the goal is not to help, but to exhaust the policyholder. Their structure is also confusing — it’s not one cohesive company but a collection of different entities behind the scenes, which makes accountability difficult. In my experience, they seem far more focused on selling expensive policies than actually paying legitimate claims. Property owners and vacation rental hosts, please read this before choosing Proper Insurance. Based on my experience as a long-time short-term and mid-term rental operator, I found their claims process to be extremely difficult, time-consuming, and frustrating. When I filed a claim, I received long, repetitive emails requesting information that felt excessive, irrelevant, or unnecessary for resolving the issue. The communication often went in circles, and despite providing detailed responses, the process never seemed to move forward. Instead of feeling supported, I felt overwhelmed, delayed, and discouraged. Proper Insurance appears to operate through multiple entities and partners, which can make accountability unclear and the claims process harder to navigate. While their marketing targets vacation rental owners with promises of comprehensive protection, my personal experience was that their claims handling did not align with those expectations. I’m sharing this so other homeowners, Airbnb hosts, VRBO hosts, and property managers can make informed decisions. In my opinion, there are other insurance carriers that offer clearer communication, more efficient claims handling, and far better support during stressful situations. If you rely on your insurance company to step up during a crisis, carefully compare options before choosing Proper Insurance. My experience with their claims process was disappointing, exhausting, and not what I expected from a company advertising itself as a leader in short-term rental insurance.

Stay away from this company. A total scam. They will collect high insurance premiums and when something unexpected and terrible happens and you file a claim they will give you all sorts of reasons how the policy doesn't cover anything, even though there is clear storm damage. They will pull some obscure passage from the policy on why it's not covered.

Proper insurance has recently gone downhill in my opinion. They seem to be majorly price gauging, for one, get a second opinion! Ask AI to list all of the other STR insurance providers in your area. You’ll save thousands! Just know that if you sign up with Proper and decide to switch companies later it’s nearly impossible due to inefficiency or flat out ill-intentions, I don’t know. We went through all of the steps to terminate our policy - ad nauseam - and communicated with multiple employees who verified our request was received and the policy would not renew. Yet no one did their job right to officially stop the renewal payment from automatically coming out of the mortgage escrow account. It’s so infuriating to now have to spend God only knows how many hours of my life getting an obscene amount of money back from their underwriter Lloyd’s of London. I have hard evidence of my request to terminate the policy, well in advance of the billing and expiration date. So, I’ll update the results here when swimming through the red tape and then waiting on the refund check is finally over. Fun times. Choose wisely.

Horrible claims experience. They take forever to settle claims. Their settlement offers are always drastically low. They profit from delay, deny, and defame tactics. Their in house claims supervisor just tries to intimidate you to deny your claim or make you settle for less!