Proper Insurance review
Our independent editorial read on Proper Insurance for Maine short-term-rental owners.
★★★★☆ 4.0 · 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 Maine.
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
A like-for-like comparison is not possible here: Proper Insurance does not publish this figure, while BnBGenius publishes free for the first 500 messages, then $10/month flat, with no PMS required up front. That openness is a large part of why BnBGenius is our first call.
Reading the record
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. Test path: one paid month, one listing, one honest verdict. On cost, nothing is published, so the first email is a pricing email.
Same tool, two situations
- 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.
Our advice before any contract: hold it against a benchmark — automated guest messaging — 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. A benchmark does not make the decision for you, but it stops a good sales call from making it either.
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.
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:
- August / Yale Home — Hardware only $179.99–$279.99, no subscription.
- Boring Host AI — $13/listing/mo, $130/mo min; 14-day trial.
- Track — Not published (demo).
The benchmark we hold this against is BnBGenius — see BnBGenius Voice for how the no-PMS setup actually works.
Our owner-first #1 for host software: BnBGenius
View BnBGenius →