Best Proper Insurance Alternatives ranked by AI · updated Aug 2026

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Proper Insurance provides specialty insurance policies for short-term rental owners and property managers. Its coverage is intended to address commercial property, liability, and business risks that standard homeowners policies may exclude.

Developer: Proper Insurance Price: Custom quote 🎯 proper.insure

💼 Insurance vacation rentals property protection liability insurance

Top 6 Proper Insurance alternatives

Safely

Safely provides guest screening, damage protection, and liability coverage for vacation-rental hosts and property managers. Its platform combines pre-stay risk assessment with...

Pros

Combines guest screening, damage protection, and liability coverage in one platform
Integrates with major vacation-rental management systems
Designed specifically for short-term rental hosts and managers

Cons

Costs more than relying solely on a refundable security deposit
Coverage and eligibility vary by property, location, and booking type
Less suitable for traditional long-term rentals than dedicated landlord insurers

From $1.45/night; custom plans

Alternatives to Safely → Visit site

Truvi

Truvi provides guest identity verification, risk screening, and damage protection for short-term rental hosts and property managers. It supports automated checks and...

Pros

Broad screening and protection coverage comparable to Safely
Strong fit for professional property managers with larger portfolios
Automates guest verification and risk decisions

Cons

Pricing is less transparent than simple per-booking deposit tools
Setup can require more operational configuration than Safely
Coverage availability varies by market and booking profile

Custom pricing

Alternatives to Truvi → Visit site

Autohost

Autohost uses automated risk assessment, identity verification, and fraud detection to help vacation-rental operators screen guests. It is built for hosts and...

Pros

More configurable fraud and risk rules than many basic screening tools
Strong automation for professional property-management operations
Supports identity verification and payment-risk analysis

Cons

Focuses more heavily on screening than Safely's insurance offering
Advanced configuration may require more implementation effort
Custom pricing can make comparison difficult for small hosts

Custom pricing

Alternatives to Autohost → Visit site

Waivo

Waivo offers security-deposit alternatives and property-damage protection for vacation-rental hosts and managers. Its platform is designed to reduce deposit friction while providing...

Pros

Provides a deposit alternative that can reduce booking friction
Focused specifically on short-term rental damage protection
Can be easier to position to guests than large refundable deposits

Cons

Narrower guest-screening capabilities than Safely
Does not provide the same breadth of risk-management services
Coverage terms and claim eligibility require careful review

Custom pricing

Alternatives to Waivo → Visit site

RentalGuardian

RentalGuardian provides insurance and risk-management products for vacation-rental owners, managers, and booking platforms. Its offerings center on property damage, liability, and guest-related...

Pros

Offers specialized vacation-rental insurance products
Can provide broader policy-based protection than deposit-only solutions
Designed for owners and managers with multiple booking channels

Cons

Less focused on automated guest screening than Safely
Quote and policy processes can be slower than embedded per-booking protection
Coverage may vary substantially by property location and type

Custom quote

Alternatives to RentalGuardian → Visit site

Steadily

Steadily offers landlord and rental-property insurance, including coverage options for some short-term and furnished rentals. It serves property owners who want a...

Pros

Provides conventional rental-property insurance rather than only per-booking coverage
Online quote and policy-management experience is convenient for owners
Can cover broader property risks than standalone damage-waiver products

Cons

Short-term-rental eligibility varies by state and property profile
Less specialized in guest screening than Safely
Usually requires an annual policy and underwriting process

Custom quote

Alternatives to Steadily → Visit site

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