Proper Insurance ServicesReviews of proper.insure

Cade at Proper Insurance has provided me with both excellent service and coverage on both of my short term rental properties and made all claims easy and smooth. I highly recommend Cade and proper insurance to anyone looking for STR coverage.

Working with Matthew Stewart at Proper Insurance has been an outstanding experience from start to finish. Matthew was incredibly responsive, knowledgeable, and patient throughout my entire claims process. He made a stressful situation feel manageable by clearly explaining every step, answering all my questions, and advocating for me whenever needed. It’s rare to find someone in the insurance world who genuinely cares, follows up consistently, and goes above and beyond — but Matthew did exactly that. My claim was handled efficiently, professionally, and with a level of support that exceeded my expectations. I’m extremely grateful for his help and would highly recommend Matthew and Proper Insurance to anyone looking for dependable coverage and truly exceptional service.

If you are considering Proper Insurance, please read this first. In my experience, this has been one of the most frustrating insurance companies I’ve ever dealt with — especially when it comes to filing a claim. Instead of providing support during a difficult situation, they send extremely long, repetitive email requests that go in circles and never lead to meaningful progress. They ask for information that no other insurance carrier has ever required of me, including details that feel unnecessary, invasive, or irrelevant to resolving the claim. It often feels like the goal is not to help, but to exhaust the policyholder. Their structure is also confusing — it’s not one cohesive company but a collection of different entities behind the scenes, which makes accountability difficult. In my experience, they seem far more focused on selling expensive policies than actually paying legitimate claims. Property owners and vacation rental hosts, please read this before choosing Proper Insurance. Based on my experience as a long-time short-term and mid-term rental operator, I found their claims process to be extremely difficult, time-consuming, and frustrating. When I filed a claim, I received long, repetitive emails requesting information that felt excessive, irrelevant, or unnecessary for resolving the issue. The communication often went in circles, and despite providing detailed responses, the process never seemed to move forward. Instead of feeling supported, I felt overwhelmed, delayed, and discouraged. Proper Insurance appears to operate through multiple entities and partners, which can make accountability unclear and the claims process harder to navigate. While their marketing targets vacation rental owners with promises of comprehensive protection, my personal experience was that their claims handling did not align with those expectations. I’m sharing this so other homeowners, Airbnb hosts, VRBO hosts, and property managers can make informed decisions. In my opinion, there are other insurance carriers that offer clearer communication, more efficient claims handling, and far better support during stressful situations. If you rely on your insurance company to step up during a crisis, carefully compare options before choosing Proper Insurance. My experience with their claims process was disappointing, exhausting, and not what I expected from a company advertising itself as a leader in short-term rental insurance.

We have used Cade Bachman at Proper Insurance for 6 years for our rental investment cabin near Helen GA.. We have always had good service from them and highly recommend

Proper insurance has done well by us. We had a rather large claim and they worked with us and guided us through the process. Now we have sold this property and the cancellation was easy.

Katie and Joseph worked with me deligently and with lots of patience to get me through this process. Of course, they have the best insurance for short term rentals available on the market. I highly recommend them!

Chelsey with proper insurance recently helped to guide us through a claim where guests found bugs at our air bnb property. This was such a difficult situation as we are take our cleaning protocols and business so seriously. We reported the issue to Proper, our home insurance carrier, immediately and Chelsey was assigned and reached out by phone the same day to advise us to have an exterminator come out right away. We had an exterminator visit right away and he issued the report. We sent this on along with proof of our lost income and Chelsey came through for us in less than a week to resolve the claim. This was an already extremely stressful situation and Chelsey and Proper were amazing at helping us get through this so we could get back to business asap!

I worked with Alayna from Proper she was wonderful! It was my first time dealing with a claim and she made it a hassle less and an smooth process which I appreciated!