I have to feel passionate about something in order to write a review about it, and that's why prior to now I've only written reviews about music, movies, hotels and restaurants. I never thought I could feel passionate about an insurance company until my recent experience with Proper Insurance. My wife and I have owned our home in San Diego, California since 1993, and we had our property insurance through Wananesa Insurance the entire time. But when we relocated to Mexico in February 2025, and decided to rent our home as a short term vacation rental, we had to find another insurance company because Wawanesa doesn't provide coverage for short term rentals. Our property manager referred us to Proper and I felt comfortable with them from the beginning. We were staying in our house in San Diego during the month of September, and the night before flying back to Mexico, I was sitting on our living room couch and felt a bump under the area rug. When I lifted up the rug I saw that one of the wooden floor boards was warping and coming up off the floor. I felt around for any dampness but it seemed dry, so I just chalked it up to an old board that was finally starting to warp. But then, the next morning, just as we were about to leave for the airport, I noticed another board coming up. Since I had a plane to catch I asked our property manager if he could contact a flooring company to come out and assess the situation. And by that time there were around twenty boards coming up. The flooring contractor thought that the damage was caused by a leak in the wall between our garage and living room, and that's when I knew that I had to contact Proper and most likely file a claim. The first person I spoke to in the claims department was a woman by the name of Campbell, who was incredibly nice and reassuring, while still being honest that coverage would depend on several factors, such as how long the leak was there and how quickly after discovering it we were filing our claim. Campbell told me that our claim would be assigned to an adjuster, who would be in contact with my by email. By the next day I received a detailed email from our claims adjuster, Dede Martin, who then followed it up with a personal phone call. And again, after speaking with Dede, I felt great and reassured, assuming that what I reported accurately panned out. Dede told me that a field adjuster would go out to the house and assess the damage, and I heard from that adjuster the very same day. A few days later Dede contacted me with the field adjuster's report and said that Proper would be covering all of the damages and repairs, less my twenty five hundred dollar deductible. But because the field adjuster's estimates were higher than what the flooring company and contractor who repaired the drywall quoted me I was actually fully compensated. I brought this to Dede's attention, and I believe her reply was that I still might end up incurring more expenses that haven't yet accounted for. Beyond reimbursing us for the repairs, Dede said that Proper would reimburse us for lost income from rental cancellations, and for any "potential" loss of income due to our rental listing being suspended until the repairs were completed. This "potential" loss of income would be based on our rental income for the same time period last year, but since we didn't list the house for rent until April of this year we didn't ask for any of that reimbursement. I requested Proper to deposit the insurance proceeds into my checking account with Chase Bank. However, because both mine and my wife's names are on title to our house we needed a joint checking account, which we didn't have. So I had Proper send the check to our daughter in San Diego, thinking she could sign the check over to herself and deposit it into her account. But the bank wouldn't accept it. I contacted Dede again, and explained my predicament and how desperate I was to get these funds into my bank account by direct deposit. As always, she was incredibly understanding and apologetic. But more importantly she reached out to Proper's accounting department and convinced them to make an exception and do a direct deposit into my account. They just needed an email from my wife saying that she was in agreement with this. In closing, my recent experience with Proper, and especially with Dede Martin has been exceptional! So much so that I'm now convinced that I can be as passionate about an insurance company as I am about music, movies, restaurants and hotels! I never would believed it! read more

After everything involved over the past six months, I want to sincerely thank Proper Insurance for their professionalism, responsiveness, and patience throughout my claim. Dealing with a fire loss is never easy, Matthew made the process clear, fair, and manageable from start to finish. I consistently felt heard, supported, and well-informed, which meant a great deal during a very challenging time. Matthew's follow-through and attention to detail were outstanding, and it was genuinely a pleasure working with them. I'm very grateful for the assistance I received and would not hesitate to recommend Proper Insurance to anyone needing reliable, professional coverage and claims support. They truly made a difficult situation much easier to navigate. read more

You would hear these horror stories as how insurance companies give you the run around for looking at a claim. I never thought I would give a review to an insurance company but these guys are legit. My claim was legit and they were fast and smooth and did not play with me. This is so odd to me. How could an insurance company actually be nice????Matthew Stewart was my adjuster. Thanks for not making my life miserable to have a claim and taking care of my claim so swiftly. read more

After the stress of our home repair needs, we want to thank Proper Insurance for it's quick response and help as we walked through our claim process. Matthew Stewart with Proper Insurance was great to work with, answered all of our questions and was kind and understanding. In an already stressful situation, this is what we needed to calm our nerves and concerns. We appreciated Matthew's clear communication re: next steps. He made the process simple and clear which was very important as we managed the repair process. We can't thank Matthew enough. We highly recommend Proper Insurance to all! They were great to work with. Thank you! read more

We had some hail damage on our rental property and as soon as we reported it Proper Insurance and our claim adjuster Matthew Stewart made the whole process smooth and easy! The communication was top tier and made an already stressful event stress free and simple. I will recommend Proper Insurance to anyone looking. Thank you Proper and Matthew!!! read more

I can't say enough good things about my experience working with Elizabeth Young at Proper Insurance. She was responsive, professional, and incredibly helpful throughout the entire claims process. What stood out most was how easy she made what could've been a stressful situation. She explained everything clearly, followed up promptly, and treated my concerns like they actually mattered. It's rare to find that level of care and attention--especially in insurance. I truly appreciated her support, and because of her, I would absolutely recommend Proper Insurance to others. Thank you, Elizabeth--you're the real deal. read more

Mike Wolf has been amazing to work with over the past years. He puts his clients first and has always been very helpful!

I had delays on listing my property because of some structural issues of the property that had to be fixed and impacted by long construction delay. I have informed them several times that the house was still not ready and they cancelled my insurance. when I am now ready to list the property they offered me the same insurance with 27% increase for the same policy, and blaming the inflation when in 2023 the inflation has nothing to do with it because all other companies I talked with gave me a much lower quote at the same conditions. they do not care about their clients, just want to make every penny out of you read more

It was nice to talk to an actual person and not a "robot". Cali was very helpful! If I decide to rent out my property, I will keep Proper in mind! read more

I needed homeowner insurance for a second home which was also a rental home for short term rentals. The Home was farther away from a fire station than other insurance companies would insure. Proper Insurance graciously and professionally found insurance for the home! Communication was swift and reliable . Everyone I worked with was friendly. I highly recommend Proper Insurance! read more