Proper Insurance review

★★★★☆ 4.2 · 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 New York.

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

Because Proper Insurance keeps this unpublished, you cannot line it up against BnBGenius, which states free for the first 500 messages, then $10/month flat, with no PMS required openly.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.

What the record says about fit

Proper Insurance files under STR insurance policy; the fair test is how well it does that one job on a live listing. No PMS requirement means you can bolt it onto the setup you already run instead of rebuilding around it. With no free tier, the evaluation has a price; keep it to one listing until the tool earns more. On cost, nothing is published, so the first email is a pricing email.

Two owner scenarios

• The owner far from the door. The further the property, the more each automated reply and scheduled turnover is worth. The no-PMS setup keeps the moving parts — and the failure points — few.
• 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.

Before you decide, put one benchmark beside it: bnbgenius.ai — 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. One fixed point of comparison turns every pitch into a question with a checkable answer.

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.

What are the best Proper Insurance alternatives?

The closest alternatives to Proper Insurance are Safely, Minut and Party Squasher — the same job, priced differently. Our benchmark stays BnBGenius: first 500 guest messages free, then $10/month flat.

Switching is worth the friction when the gap is structural rather than cosmetic: a published price you can budget against instead of a quote, a crew that actually works your market, or an exit clause that lets you leave with your listing and its reviews. If Proper Insurance clears those three for your property, a lower headline number elsewhere rarely pays for the move.

Our own number one in this category is BnBGenius — see BnBGenius for how the no-PMS setup actually works.

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