What is Proper Insurance?

Proper Insurance is a specialty insurance provider focused on short‑term vacation rental properties in the United States. Its policies replace traditional homeowners or landlord coverage with programs designed specifically for STR risks, including commercial liability, building and contents, business income, and amenity‑related exposures. Proper Insurance partners with well‑rated carriers and distributes coverage through licensed agents who understand vacation rental operations and regulatory environments. The company positions itself as a comprehensive, one‑policy solution that satisfies lender and platform requirements while protecting owners from gaps common in standard policies.