Proper Insurance for small portfolios (1–5 listings)
Hosts with 1–5 short-term rental listings looking for software that scales with them, not against them.
Our verdict for small portfolios (1–5 listings)
Okay fit — consider alternatives
Proper's coverage is best-in-class, but the premium pricing hits harder when you only have 1–5 units absorbing the cost.
Why it fits you
- Comprehensive protection means one policy covers all the weird STR risks standard insurance won't
- Lloyd's of London backing gives financial stability you can trust with your biggest asset
What might bite you
- Premium pricing is tough to justify on thin margins with few listings
- No published rates means you spend time on a sales call before knowing if it's even in budget
Best-for-you alternatives at this size
- Awning Insurance Great fit
If you're a new Airbnb host evaluating your first STR policy, Awning's one-page comparison of four named carriers is exactly the triage tool you want.
From $40 • No free trial · Useful triage page for new Airbnb investors; thin if you already know the STR carrier landscape
- CBIZ Vacation Rental Insurance Great fit
If you're an individual owner of a single STR or a small portfolio of 1–4-unit properties, CBIZ is purpose-built for you — it's the segment they explicitly target.
Contact sales • No free trial · Established specialty STR insurer — but you'll need to call for a quote
- InsuraGuest Great fit
If you've got 1–5 listings on a connected PMS, $69/mo flat for guest damage and medical coverage is hard to beat — and you can pass it through as a nightly fee.
From $69 • No free trial · Affordable flat-rate guest protection layer for PMS-connected operators
Still think Proper Insurance is right for you?
Contact sales • No free trial