Proper Insurance Review - Everything You Need to Know

Proper Insurance Review – Everything You Need to Know

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Insurance is a must for any Airbnb host. As some may already be aware, hosts automatically receive Airbnb’s default insurance upon sign-up. They call it ‘Host Protection Insurance‘, which covers anywhere up to $1 million USD for physical injury or property damage. Of course, terms and conditions do apply, and it may not cover your particular incident. So, if you are serious about hosting on Airbnb, or simply want peace of mind, it is time to consider a third-party insurance policy that will help cover damages or losses that Airbnb’s cover doesn’t.

This is where Proper Insurance comes in. They are the leaders in Airbnb and short-term rental insurance within the United States, and for good reason. Let’s take a look at who they are, what they offer, and why they are the best in the business. Read below for recent Proper Insurance Reviews.

So, What Is Proper Insurance?

Proper Insurance is a short-term rental insurance provider. They are the leader in Airbnb insurance throughout the US. They based their Airbnb policies off the Lloyd’s of London policy and can customize policies for each individual host. In short, there is something to suit all budgets.

As per their website, Proper Insurance states that short-term rentals are a business serving the public, and therefore are subject to the same hospitality laws. With that being said, Airbnb’s Host Protection Plan may not cover all incidents on its own, so having commercial or business insurance is a good idea.

Why Proper Insurance?

Proper Insurance acts as commercial insurance, as opposed to homeowners insurance. Some hosts are unaware that even though they own or sublet their home to the Airbnb platform, if someone is paying to stay with you, it instantly becomes a business. As a result, homeowners insurance is ineffective and claims will almost always be denied.

This is why commercial insurance from Proper could be the saving light if an incident were to occur. You will be covered for your listing, its contents, any liabilities, and business income. Hence, you will be protected for any loss of income, damage to property or liability claims. You’ll also be covered for any loss of property as a result of hosting, such as theft, vandalism, or, God forbid, a fire.

What Do They Offer?

As previously mentioned, Proper Insurance offers a Lloyd’s of London Airbnb Insurance Policy. Let’s briefly outline their offerings for Airbnb hosts:

  • $1 million USD standard commercial liability insurance
  • $2 million USD optional commercial liability insurance
  • Unlimited damages, theft or vandalism caused by a guest
  • A commercial policy specifically tailored to replace your current coverage
  • Extended liability for pools, jacuzzi’s, bicycles, gym equipment, etc.
  • Coverage for loss of business income

To find out more about their offerings for Airbnb, check out this link.

Pro’s & Con’s

As with any insurance policy, there are pros and cons when deciding if it is right for you. Let’s compare the positives and negatives for Proper’s Airbnb insurance and Airbnb’s Host Protection Policy.

Proper Insurance

  • Peace of Mind
  • Unlimited payout for damages by a guest
  • An optional $2 million USD coverage
  • Loss of business income payout
  • Tailored quotes
  • Outstanding customer service
  • Added cost
  • May not suit all budgets/hosts
  • Requires reading and full understanding of Product Disclosure Statement (PDS)

Airbnb’s Host Protection Policy

  • Automatic as default upon sign-up
  • No added costs
  • Covers up to $1 million USD damages and/or physical injury
  • May not cover your particular incident
  • Does not cover additional damages like Proper Insurance
  • No option for additional coverage

Hopefully from these comparisons, you are able to gauge if it is worth taking out a policy with Proper Insurance.

Speaking from experience, I took out travel insurance as a requirement to apply for a European visa at the beginning of this year, and I could have canceled the policy for a full refund after successfully being granted my visa, but I chose to keep it. Lucky I did, because as soon as COVID-19 hit Europe, I had to return home early, and paid through the roof for last-minute flights. Thanks to my insurance policy, I received the money back. Why am I telling you this? Because, despite insurance being an added cost, it comes in handy when you really need it. So this is just something to consider.

Proper Insurance Review: What Are People Saying About Proper?

Overall, Proper Insurance has a rating of 4.6 stars out of a possible 5. This is based on over 100 reviews, so you can be sure you are in good hands. The most recent reviews on their Facebook Page commend their customer service team, and their ability to be there for clients when they need them, unlike some other insurance companies. We have included some reviews below, and to read more, click on the link below and it’ll take you right to their reviews page!

Proper Insurance Review - Everything You Need to Know

Proper Insurance Review - Everything You Need to Know

Proper Insurance Reviews

Sound Like Something That Could Benefit You? Contact Them!

To contact Proper Insurance, simply follow this link. Alternatively, we have listed their contact details below.

For general enquiries:

  • Call their main customer service center on 888-631-6680
  • Email –

Please remember this article is general in nature. You must decide if the insurance policies provided by Proper are right for you.

About the Author Jake Leavy

Jake Leavy has worked in the content industry for 8+ years. Travel writing has been his main focus, however, he also has luxury hotel management experience under his belt. He has traveled to over 50 countries and loves immersing himself into different cultures. Jake combines his passion for travel and hospitality experience to offer hosts tips and tricks to improve their business.