Proper Insurance Services Reviews 

Stay away from this company. A total scam. They will collect high insurance premiums and when something unexpected and terrible happens and you file a claim they will give you all sorts of reasons how the policy doesn't cover anything, even though there is clear storm damage. They will pull some obscure passage from the policy on why it's not covered.

I want to take this opportunity to thank Chad Martin and the team at Proper Insurance for doing a super job to help rebuild hurricane damaged property in North Carolina. Mr. Martin, who is a Senior Claims Specialist, was particularly knowledgeable and helpful with all aspects of the claim. He quickly learned about the condition of the property and what was needed to rebuild and stood by us the entire time to make sure the job was done right.
Chad Martin was also available whenever I had a question and very easy and pleasant to speak with. Although many insurance companies have a bad reputation, our experience with Proper and Mr. Martin has been just the opposite – thanks so much for everything Chad and team!

Proper Insurance has served us well throughout our short term vacation rental period. Taylor Stults, our agent, has been prompt, courteous, and professional during our time with Proper. Thanks for all the help, Taylor

Proper insurance has recently gone downhill in my opinion. They seem to be majorly price gauging, for one, get a second opinion! Ask AI to list all of the other STR insurance providers in your area. You’ll save thousands! Just know that if you sign up with Proper and decide to switch companies later it’s nearly impossible due to inefficiency or flat out ill-intentions, I don’t know. We went through all of the steps to terminate our policy - ad nauseam - and communicated with multiple employees who verified our request was received and the policy would not renew. Yet no one did their job right to officially stop the renewal payment from automatically coming out of the mortgage escrow account. It’s so infuriating to now have to spend God only knows how many hours of my life getting an obscene amount of money back from their underwriter Lloyd’s of London. I have hard evidence of my request to terminate the policy, well in advance of the billing and expiration date. So, I’ll update the results here when swimming through the red tape and then waiting on the refund check is finally over. Fun times. Choose wisely.

Horrible claims experience. They take forever to settle claims. Their settlement offers are always drastically low. They profit from delay, deny, and defame tactics. Their in house claims supervisor just tries to intimidate you to deny your claim or make you settle for less!

My claims specialist, Elizabeth Young, was great to work with from start to finish. She was communicative, responsive, and knowledgeable throughout the whole process.

I have been extremely pleased with my home insurance through Proper. When a burst pipe ruined my basement and forced me to shut down my airbnb, the team at Proper was ready to help at every turn. The coverage is excellent and the customer service top notch. Highly recommend.

I purchased insurance for my short-term rental from Proper Insurance and received excellent professional service from Taylor Stults. Thank you, Taylor, for your outstanding services, and if there is a chance to buy another property, I will get back to purchase with you again.

I received outstanding service when purchasing short term rental insurance from Proper. I want to acknowledge and thank Cade Bachman for his outstanding service! I deal with a lot of insurance agents, brokers, and account managers and most do not provide the level of service that I received from him. I appreciate his knowledge, attention to detail and thoroughness!
This is one of the few times, I have received insurance declarations and certificates that were 100% correct!

I couldn’t get swimming pool insurance from any traditional insurance companies. I found this company and submitted a quote, the next day I received a call from a wonderful woman named Sydney Daub. She was so kind, helpful and she knew her stuff! She answered all my questions and made me feel comfortable and confident in doing business with Proper Insurance.

I had an exceptional experience with my insurance claims adjuster Chelsey. Their professionalism and prompt communication made the process stress-free. They were empathetic, thorough, and kept me informed every step of the way. I couldn’t have asked for better support during a challenging time!

I do not have claim experience to share, but our agent Cade Bachman made securing coverage very easy. He answered questions and followed up in a very timely fashion.

I was a Proper Insurance customer for over 12 months paying $100/month for my airbnb business. The website and sales rep stated that they cover revenue loss if something in your property gets damaged. My AC unit broke and was out of business for a few weeks since it was record high heat in california during the time. They denied my claim over a technicality of how the ac unit broke. Scam artists, just like the rest of the insurance industry. Stay away at all cost

Proper Insurance has been super easy to deal with in the aftermath of hurricane helene that caused serious damage to my property in hendersonville, north carolina. I want in particular give recognition to my claims specialist Chad Martin - he was professional, setting expectations, walked me through clearly how to go about my claim, and moved quickly (which is something we all don't expect going through this process!).

If you have a STR and want commercial insurance look no further than Proper.

Cayman was great to work with. We have been with Proper for almost three years with multiple properties and are a very happy customer. They are super responsive to our needs and questions. Thank you!

Customer service was fantastic! I had some questions on my policy so I requested a call, and the Proper teams was very helpful in helping me understand the nuances of the policy and my coverage. Would like to give a shoutout to Cayman specifically for his support!

I highly recommend Mike Wolf to anyone looking for a knowledgeable and caring insurance representative. From the very start, he demonstrated a deep understanding of our needs and went above and beyond to ensure everything was in place to align our insurance policy perfectly.

I wouldn't trust my vacation rental to anyone but Proper Insurance. They specialize in this type of insurance and make sure that we have the proper coverage. And over the years our Agent, Cade Bachman, has continue to serve us personally. I absolutely feel we are in good hands!

Taylor made the process of getting insurance quick and easy, ready to answer any questions while clarifying any misunderstandings.

Abby has made this process of getting insurance super easy and clear to understand!!! Despite my many questions, she has been quick to answer and extremely helpful along the way. 👍