Best Overall
Last updated 2026-04-20Proper 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
- Safely Great fit
Safely's pay-per-night model is built for you — zero cost during vacancy, no annual commitment, and guest screening bundled in.
From $8 • No free trial · Best pay-per-booking insurance for low-to-mid occupancy hosts
Still think Proper Insurance is right for you?
Contact sales • No free trial