Personal Umbrella policies may not cover Proper The company we had been using to insure our vacation rental for 20+ years is no longer doing business in california so we switched to Proper quickly in order to be covered. Be aware that Proper writes everything as a COMMERCIAL policy. What we found out later is that because our rental was insured as a commercial property, our personal umbrella policy WOULD NO LONGER COVER the vacation property. (You can buy some umbrella coverage from Proper but not enough to adequately cover us.) They don't tell you this when they convince you that commercial is the way to go. Because we use our home ourselves, and vacation rent it when we aren't using it, we found out we do NOT need a commercial policy. But we sure do need to be protected by our umbrella policy and we were not protected while with Proper! So if you need your personal umbrella policy to protect you vacation property, you better start asking questions. We switched to another insurance company.

Taylor is amazing Taylor is amazing. From the initial quote request to booking my policy. She answered my questions in a timely manner and I look forward to working with her. Definitely will recommend :)

We are grateful that we found Proper… We are grateful that we found Proper Insurance. Cade is Amazing and certainly sets the platinum standard of excellence in customer care. They are kind, professional and helpful. These days, it is rare to receive stellar customer care like this. Great experience!

Taylor Stults was great! Taylor Stults was great! Super responsive and informative as she helped me set up my policy.

Initial request for quote was great but… Initial request for quote was great but rep assigned did not supply policy comparison till I asked twice, got "canned" response even though actual other quote was sent. Comparision was wrong and last email resorted to "fear tactics" to try and get me to book policy. Got same for a lot less elsewhere.