Is Proper Insurance Worth It?
The honest take — no sales pitch, no "it depends" cop-out. Who it fits, who should skip it.
Verdict
It depends
Worth it if your portfolio has real exposure to the weird STR risks — squatters, hot tubs, bed bugs — that standard policies won't touch; overkill if you're running a low-risk single listing.
Worth it if you…
- Worth it if you have amenities like pools, hot tubs, bikes, or kayaks that create liability standard insurers exclude
- Worth it if you operate in markets where squatter situations are a realistic risk
- Worth it if you manage 5+ properties and a single uninsured claim could wipe out a year of profit
- Worth it if you want one comprehensive policy instead of stacking platform protections and hoping the gaps don't matter
Skip it if you…
- Skip if you have a single low-risk property and Airbnb's Host Protection covers your likely scenarios
- Skip if you're on tight margins and a cheaper policy from Safely or CBIZ would cover 90% of your realistic risks
- Skip if you rarely host and the annual premium exceeds what you'd lose in a worst-case uninsured event
- Skip if you need transparent, published pricing to budget confidently
What to try instead
Safely offers per-booking pricing that's cheaper for low-volume hosts; CBIZ and Proper compete head-to-head on coverage breadth for larger portfolios.
See all Proper Insurance alternatives →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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Ready to try Proper Insurance?
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Build your stack
See whether Proper Insurance fits your actual STR stack
Worth-it pages answer one vendor question. The stack-builder turns that into a full setup order across operations, pricing, guest messaging, and direct booking.