As modern consumers, we are blessed with infinite information with regards to our buying decisions. From online reviews to in depth blog articles, we can research as much or as little as we want on just about anything we purchase.

Why as a society do we spend hours researching the the largely inconsequential items such as shoes or backyard patio furniture, but virtually no time researching the very consequential items such as home insurance?

The answer: We wear our shoes every day, but the average U.S. homeowner will file an insurance claim about every 10 years. We use shoes, we don’t use insurance.

Let’s have some fun and ask two simple questions:

  • Question 1: When is the last time you bought something on Amazon with reviews less than 4/5 stars?
  • Question 2: When you purchased your home insurance policy did you read any claims reviews on the insurance carrier?

The answer to question 1 is NEVER, because virtually no one buys anything on Amazon with less than 4/5 stars, and for that matter, no one even watches a movie on Netflix with anything less than 4.5/5 stars.

And the answer to question 2 is no, because it’s not something consumers are accustomed to doing; in addition, consumers do not read the actual insurance contracts they purchase either.

Again, we wear our shoes every day, watch Netflix regularly, and Amazon delivers our products in 2 days or less. The reason the U.S. home insurance industry can get away with a F or flunking review score is because they only must deliver on their product once every 10 years.

The Product of Insurance Is Simply A Potential Future Claims Experience

A quick internet search on WalletHub delivers some shocking review scores:

~ The absolute worst claims service. I had to write the Insurance Commissioner just to get them to respond.

~ Claims Services is useless. I’ve been trying to get information on a claim for over a month.

~If you actually need to file a claim with this company then you are out of luck.

~And on…

Breaking News: Proper Insurance Maintains 4.8/5 Stars (A-96%) & Is Approved For Claims Administration Authority

As the largest U.S. insurer of vacation rentals, with over 60,000 policies written in all 50 states, we are very proud of our 4.8/5 stars (A-96%): Proper Insurance

~I had a water damage incident last year which would have costed us $15k if Proper hadn’t swooped in and saved the day.

~I have had to file claims with Proper before and found the process to be quick and fair.

~Two weeks later I got a check for the full amount of the loss, almost a $4,000 check, I could not believe it, absolutely amazing.

And these are real reviews in a market that has more claims. Vacation or short-term rentals are secondary properties with high traffic and by nature have more insurance claims.

What Exactly Is Claims Administration Authority?

Proper has achieved the pinnacle or gold standard for all insurance brokerages, and that is to get claims administration authority from its insurance carriers, and for Proper, that is from Lloyd’s of London and Concert Specialty.

For the average consumer this might be a foreign language, but for insurance junkies like Proper, it’s cool.

Think of it in this context. You’re an auto dealer and sell someone a car, but when that car needs service, you tell your customer to call someone else. The U.S. insurance market works the same way through companies called third party administrators or TPA’s, aka claims are outsourced.

If you read through the negative reviews highlighted earlier, many of them are in reference to claims servicing firms. These firms act as a buffer between you the consumer and the insurance carrier & agent. Back to the auto dealer example, “It’s not our fault the service firm didn’t fix your car, we did our job and sold it to you.”

What this all means for Proper policyholders is you have one phone number; 888-631-6680, Call Proper | It’s That Simple.

We underwrite, sell, issue, bill, and now have claims administration all under one roof. We control the entire process from start to finish, which means we control our brand and the future with our clients.

The #1 Uphill Fight Proper is Always Price

Proper is the single most expensive vacation rental policy on the market, sometimes coming in double our competition. The most logical answer is you get what your pay for and this being especially true for insurance.

The product of insurance is a future claims experience and it is determined by two things:

  • #1 Does coverage exist?
  • #2 Does service come with it?

We know our competitors and we know we offer the broadest coverage. This is not up for debate, this is a fact.

And for service. Our challenge would be to show us a better reviewed insurance firm that markets real claims reviews. If they exist, we will stand corrected!