Is Proper Insurance Right for You?
Pick your setup — we'll tell you straight whether Proper Insurance fits.
Is Proper Insurance right for you?
Honest per-segment take. Click any card for the full breakdown.
1–5 listings
Small portfolios
Proper's coverage is best-in-class, but the premium pricing hits harder when you only have 1–5 units absorbing the cost.
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5–20 listings
Mid-sized portfolios
This is Proper's sweet spot — enough units to spread the premium cost, enough risk exposure to need the specialized coverage.
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20–100 listings
Large portfolios
At 20+ listings the odds of needing specialized coverage approach certainty — Proper's breadth pays for itself the first time you file a non-standard claim.
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Airbnb primary
Airbnb-first hosts
Proper fills the gaps Airbnb's Host Protection leaves wide open, but you're paying a premium for coverage breadth you may not fully need on a single platform.
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Vrbo primary
Vrbo-first hosts
Proper is VRBO's exclusively endorsed insurance provider — if you're VRBO-first, this is the default choice for a reason.
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3+ channels
Multi-channel operators
Multi-channel hosts face the widest range of liability scenarios — Proper's coverage breadth matches that exposure better than any competitor.
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