Vacation Rental Insurance Reviews: Proper Insurance®

At Proper we always say you never know how good your insurance is, until you have to file a claim.  As the Nation’s leading insurer of short-term vacation rental properties, we have plenty of reviews to display.  We offer trademarked endorsements no other short-term rental carrier’s offers, and take pride in having the market’s most comprehensive vacation rental insurance program.  Combine that with the backing of Lloyd’s of London and you have over 30,000 satisfied policyholders.

We’ve had a great experience with Proper Insurance. We had difficulty finding affordable homeowners insurance that covered our VRBO renters while we were out of town. They’ve been tremendous to work with – prompt responses and importantly, a fair claim check after we had storm damage. We recommend them to everyone.

Katherine Harley

Colorado Springs, Colorado

For over 5 years we’ve rented our Shenandoah Valley vacation Home through VRBO, HomeAway & others. Many times, over those years, both orally and in writing, I provided my insurance agent with detail about our rentals. Each time, my then current agent assured us, both orally and in writing, not to worry as our short-term rentals were covered by their policy. We were told their policy was actually developed to address the lucrative VRBO/HomeAway marketplace. Proper Insurance contacted us last year. They were more expensive, so with continued assurances that our insurance policy covered our weekend rentals, we renewed for another year. This year, Jordan at Proper followed-up again to pitch their product, so I decided to pull out my policy and read it cover-to-cover to find the verbiage for short term rentals. IT COULD NOT BE FOUND! So, I pushed our agent for proof of coverage. Not being able to, he then sought out guidance from his corporate underwriting and claims departments. The outcome was, we have reviewed your policy and your VA policy does not contain any language for coverage for short term rentals. I have made underwriting aware and would recommend your finding coverage elsewhere. Having a history in the insurance industry I decided to escalate my concern to their corporate executive offices. They concurred my short-term rental was in-fact NOT covered by their policy. Since then, they provided us a full refund of premium for this year’s policy. Perhaps “unearned” premiums should be refunded for all prior years where coverage did not exist!? WOW, and this is a top five US insurance company. Unbelievable! My review of Proper, is a big “thank you” for your persistence and insurance education as it relates to short-term rentals. Everything they said was true, so you must read your insurance policy, regardless what your agent says. I’m now insured with Proper and will recommend them to anyone who asks. I’ve already sent other VRBO owners their way.

Bob D

Mc Gaheysville, Virginia

Worked with Ashley on a policy and she was extremely helpful. Highly Recommended!!!  I had to make a claim from a recent theft with my Vacation Rental Insurance. I had art work covered that typically is not covered for more than $2500. If you have valuables you should consider this policy if you want coverage.

Joseph Collura

New Orleans, Louisiana

In the 5 months of using Proper, I am very impressed. My story: I am a new vacation rental host and when I called Proper and spoke with Tim L*********, he really educated me on how this short term vacation rental insurance covered the gaps that would otherwise be exposed if I had a traditional homeowners policy. Little did I know at that time, I would need to file a claim due to water damage. Because of this comprehensive coverage, I was not exposed to a gap. My claim was caused by water damage that occurred when a neighbor above me had a substantial water leak which caused rain in my condo while I has a guest present. I called Proper and was immediately directed to Tim. How refreshing it is to work with the same individual not only with the sale, but also on the service side. After Tim said he would setup the claim, I turned my attention to the remediation work. After finding a water remediation company, the discussion turned to payment. Frequently these companies want you to assign the payment benefits directly to them because they claim insurance companies can be difficult. Most insurance companies advise policy holders against doing this. As soon as I told the water guy that I had Proper Insurance and Lloyds of London, he said no problem, they are great to work with. Again because I choose Proper & Lloyds of London, I was able to work with the water guy without giving up my rights to oversee the work and payment. Claim processing: While I would not want to go through this again (I installed water sensors for faster detection) will say that the claim was paid promptly in about 35 days. Proper even covered the loss of income when I had to cancel a guest on short notice which the remediation work was being performed. I am a very happy customer and know that Proper will stand behind me if another peril arises.

Steven Piubeni

Hudson, Florida

I have been very satisfied with the level of service that I have received with Proper Insurance and the Lloyd’s policy that I purchased for coverage as an AirBnB host. I am not listing my home right now, but if that changes, I will go right back to them. During the time, unfortunately/fortunately, I had a liability claim. I say fortunately, because It was taken care of by my policy to 100% satisfaction in timeliness and professionalism.

Sherri Billings

Fryeburg, Maine

It’s about time a company bridged the gap between homeowners insurance and commercial insurance. Within three months, I had to file a claim and there were zero issues getting a check in a timely manner. They’ve been nothing but perfect!

Mikel Hubbard

Los Angeles, California

I had a great experience working with Proper Insurance, seeking a policy for our primary residence that would also cover short-term rental property owners. They answered all my questions and presented a competitive quote within a few days. Staff is extremely friendly and responsive even if you file a claim. The agent and the adjuster contacted us right away after we had some storm damage. They’ve been easy to work with; my claim was resolved fair and quickly. I recommend them to everyone who is looking for a combined homeowners and short term rental insurance.

Michael and Barbara Schirmer

Pittsford, New York

I am very impressed with the service I just received from Proper Insurance. We only had the home a few months and already filed a claim from a freak accident (swag lap broke and fell on our renters computer and broke it). We paid out of pocket to our renters for the computer and filed a claim, which was initially denied. Proper Insurance fought hard to take it up the chain of decision makers and got it done! Above and beyond, they just didn’t settle with “no.” Very happy with the resolution. Thank you Darren!

Denean Koren

Palm Desert, California

Our experience with Lloyd’s has been truly incredible. We own two AirBNBs and were really looking for insurance designed to meet the needs of a short term rental property owner. This is it! Everyone with whom I’ve spoken has been kind, courteous and professional. What’s more, they seem so much more knowledgeable about short term rentals and insurance coverage in general than most insurance reps with whom I’ve dealt over the years. Unfortunately, we needed to file a claim due to water damage and the entire experience could not have gone better or more smoothly. I was contacted immediately, an adjuster was send the same afternoon, the claim was handled quickly and covered completely. We ultimately needed an entirely new HVAC system. Not only was the system itself covered, we are being reimbursed for lost earnings as well. We couldn’t be happier with the customer service and coverage we’ve received with Lloyd’s. Truly a 5-star company!

Michelle McRae

Nashville, Tennessee

I am extremely pleased with Proper Insurance as my insurance provider for my vacation rental.  After searching multiple sites and trying to ensure that I would be protected; Proper Insurance has, by far, the best coverage.  Cade responded to my never ending questions the same day and was very patient in helping explain what would happen in different scenarios.  Signing up was incredibly easy with an online form, and I was able to get same day coverage.

Samantha McClung

Denver, Colorado

This was my first time working with Proper Insurance. I had both telephone conversations and emails with them. They worked closely with me to answer all my questions which resulted in my taking out a policy with them for my AirBnB.

Robert and Laura Noyes

Covington, Kentucky

From initial contact to actually obtaining our vacation rental insurance coverage, this process was amazingly smooth.  Having been in the vacation rental business for almost 10 years, this is our third or fourth time to scope out insurances to stay in front of our needs.  Working with David at Proper has been the easiest, quickest and smoothest process by far. In addition, we have more coverage at a lower price than what we were previously paying.  A huge plus is also that I can understand the policy! Thank you!

Debi Hertert

Lincoln City, Oregon

When I first decided to have my house become a luxury rental property, I contacted Proper Insurance to get a quote.  They responded quickly and followed up with me via their account representative Ashley Price.  Ashley was incredibly professional and even sent a very lengthy email to me at my request breaking down the differences and similarities between my homeowner’s insurance policy and Proper’s policy.  It was a very time consuming task on her part and it was greatly appreciated by me.  When I decided to go with Proper it was because Ashley had taken the time to educate me thoroughly on the policy and as a result I felt it covered the property in full.

Mark Hill

Beverly Hills, California

“I have searched far and wide for an insurance policy to cover my vacation rental and my other commercial needs.  I rent out my property for overnight stays as well as events and filming.  Proper’s policy thru Lloyd’s of London is just what I needed.  Ashley has been a pleasure to work as she is very accessible and happy to answer all my policy questions.  Darren, the owner, was very straight with me in describing what the policy does and does not cover.  He also advised me that I would not be covered for Workers Comp with the commercial policy which I was not even aware I needed.  That is the kind of help I want.  People giving me answers to questions that I don’t even know enough to ask.   With Proper Insurance I really feel like I have a partner who is on my side and cares about me.

Tim Vlahos

Los Angeles, California

Working with Proper Insurance is always a pleasurable experience.  With so many laws changing around the space of short-term rentals, I have confidence that Proper is always on the forefront of the legislation.  There is no ambiguity in any of the policies I carry with Proper.  The team always takes the time to walk me through everything I need to know. With the backing of Lloyd’s of London, my mind is always at ease.  I couldn’t recommend Proper Insurance more!

Gabe Krebs

Portland, Oregon

Great customer service, the best policy I found, and affordable. But nothing compares to the peace of mind the policy brought!

Mary Lee M.

Huntsville, Alabama

After having closed a state of the art recording studio (which was attached to a beautiful four bedroom home), I thought the hardest part would be to dissolve the business and figure out what to do next with the space.  However, deciding to turn the space into a peaceful destination via Airbnb turned out to be the easy part!  The true difficulty came in figuring out how to do that with property insurance.  Who knew?!  My previous insurance carrier was not willing to cover my Airbnb activities stating that it just brought too much risk (even though I made them aware of the Airbnb $1million Host Protection Policy).  Thankfully, after being turned down by three other local agents and scouring the internet–I found Ian Smith at Proper Insurance.  Not only is he a real live human being who is absolutely wonderful to work with, he answered all my questions, made setting up the policy so easy–AND saved me over $200/month (literally cut my insurance bill in half).  Thankfully, there is an insurance company that understands the needs of Airbnb hosts with knowledgeable agents to assist you in securing the policy that best fits hosts needs!

Melissa Stukenholtv

Jamaica, Iowa

My experience with Proper has been exceptional because of Cade Bachman.  In researching possible insurers for our Ko Olina property, Cade was thorough, extremely helpful and has great follow up.  He accommodated and beat competitor rates, and made something as complicated as insurance easy to understand.  I appreciated his working with me, and absolutely recommend him to anyone!

Susan Henry

Kapolei, Hawaii

Proper Insurance has the most informative and knowledgeable team of vacation rental insurance professionals. They responded quickly to all my questions and concerns.  Their application process was quick, easy and stress-free.  With Proper Insurance as my partner, I can confidently use my home as a vacation rental.

Pamela Manno

Palm Desert, California

I called Cade Bachman after an extensive search for insurance to cover my two vacation rental properties.  Cade has established my trust through his easy rapport and thorough knowledge of the vacation rental insurance industry.  He has promptly responded to all of my numerous questions and has been a partner for me as I establish my vacation rental income while protecting my family’s investment.  Every property owner who is thinking of entering the vacation rental business would be lucky to have Cade on their side.

Brian Bradford

Granby, Colorado

Thought I’d let you know I just posted in three different places on the Airbnb community blogs that Proper Insurance is the way to go for short-term rental insurance.  Everyone out there is asking the same question on these blogs— where can I get coverage for my vacation rental, what should I do, etc.  There is a lot of confusion about what kind of policy is needed, what companies will insure vacation rentals, whether Airbnb insurance is sufficient.  Anyway, I am so happy to have come across Proper that I thought I’d get the word out.

Anonymous Host

Kansas City, St. Louis

Property manager reviews

Our clients love Proper Insurance. Many of them are not aware of the limitations of their current insurance, and getting them in touch with Proper has solved all and any concerns and questions they had. It’s the ultimate peace of mind to know that, no matter what happens, no matter how many guests go in and out of their property, things will be in good hands, should any problems ever arise. A life saver for them – and us.

Markus Scharnowski - Founder, GoNitely

Pacifica, California

I very much recommend the service that’s provided by Proper Insurance Services, LLC. Multiple associates, including myself, have been working with Ashley Price over at Proper Insurance for several years now.  Her expertise and attentiveness toward working with our clients, and myself comes second to none.  Ashley brings a level of professionalism by delivering upon our high expectations over here at Vacation Palm Springs. Even more importantly, Ashley exceeds our clients expectations time after time with her promptness and knowledge of the insurance industry.

I’ve had dozens of my clients inform me that Ashley makes the process of acquiring the “proper insurance” for their short-term vacation rental property easy and seamless. I definitely recommend Ashley Price over at Proper Insurance for three main reasons: she does an excellent job, she’s always punctual, and she offers our clients a competitive rate.

The level of service that Ashley Price delivers for our clients makes it extremely easy for me to recommend her and Proper Insurance, LLC. for the property protection that you’re looking for.

Nathan Jordan - Business Development, Vacation Palm Springs by Wyndham Vacation Rentals

Palm Springs, California

Here at SeaBreeze Vacation Rentals, we proudly manage some of the most beautiful properties in San Diego county. When our owners ask us about insurance, we exclusively recommend Cade Bachman at Proper Insurance. Cade’s knowledge, service, and charisma has consistently impressed our owners – who deserve a high level of service. Bottom line, Proper has the best policy in the U.S., their customer service is great, and they protect our commission income if our owners have a claim. We at SeaBreeze look forward to working with Proper Insurance for years to come.

Jonah Mechanic - Founder, SeaBreeze Vacation Rentals

San Diego, California

Being able to provide Proper Insurance as a resource to our vacation rental clients is important, especially for the luxury homes we manage. Many of these owners have specific needs to which Proper sometimes is the only choice. Because Turnkey Vacation Rentals is in over 30 markets across the USA it is good that Proper can offer insurance in all 50 states. The service my clients have received from Proper Insurance has given me ease of mind that their needs are being handled.

Pete Slaga - General Manager, TurnKey Vacation Rentals

Gold Coast, California

At Enchanted Mountain Retreats we want to express our gratefulness for the prompt expert assistance provided by Proper Insurance Services, LLC. In a very short period of time Proper has carefully and professionally offered the best alternatives for each of our vacation rental property owners, walked them through the process and secured the best possible insurance coverage.

Each policy has been tailored to the needs of the property owners and the particularities of each property, resulting in a happy and satisfied Enchanted Mountain Retreats family. We will continue recommending Proper Insurance.

AnaLuisa Salvatti - Director Business Relations, Enchanted Mountain Retreats

Blairsville, Georgia

Vacation Rental Insurance Quote

We encourage you to upgrade and get a vacation rental insurance quote from Proper Today.  Proper is the leading insurer of short-term rental properties in America, with over 30,000 issued policies.  It’s never been more important to have comprehensive property and liability insurance on your vacation rental.