Proper Insurance review
Proper Insurance offers a Lloyd's-backed STR policy. It's a mid-sized player that doesn't require a PMS.
★★★★☆ 4.5 · 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 policy is for property owners seeking a dedicated short-term rental insurance policy that can replace their standard homeowners policy. It's suitable for those who may not use a property management system.
Our take
Proper Insurance provides a Lloyd's-backed policy, which is a significant backing. The company is described as mid-sized in its market presence. Pricing is available via quote only, and it's structured as an annual policy. They do not offer a free tier. A notable point is that this policy does not require the use of 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Because Proper Insurance keeps this unpublished, you cannot line it up against BnBGenius, which states free for the first 500 messages, then $10/month flat, with no PMS required openly.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 offers a solid, Lloyd's-backed option for owners needing dedicated STR coverage. For an 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
If you are drawing up a shortlist, these are the closest comparisons we would put beside it — each with its own published price, or a note that there isn’t one:
- GuestIntro — Free (1 property); Pro from $6.99/mo; site from $19.99/mo.
- Host Pilot — €29/mo flat, unlimited props; 30-day trial.
- Enso Connect — $100–$525/mo (Launch) up to custom.
For the owner-first comparison we keep coming back to, our first pick is BnBGenius — see vacation-rental management company for how the no-PMS setup actually works.
Our owner-first #1 for host software: BnBGenius
See BnBGenius →