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Sarah Kensinger has started 6 posts and replied 2203 times.

Quote from @Nick Loukas:

@Sarah Kensinger thanks for the reply ! Wife and I are traveling down there in September to get a feel for the market and see where we’d like to buy. Do you own an str in the area?

Almost! We had a contract on a condo earlier this year in Sandestin, but unfortunately due to appraisal issues it fell through a week before closing. We decided to take a step back from purchasing, grow our STR company and reevaluate our options for purchasing a property. We're planning on buying a STR sometime this year yet, although I'm not sure if we'll try FL again or another location.

1 Vote

Quote from @Daniel Frey:

Quote from @Sarah Kensinger:

Long-term or short-term?

Long term

Ok that's what I thought and unfortunately, I don't know anyone there that does LTR.

0 Votes

Myrtle Beach, South Carolina

Quote from @Leslie Anne Morris:

Quote from @Sarah Kensinger:

Quote from @Michael Baum:

Well that hasn't been my experience at all, but I am very technical so I don't need to call customer support often. I have emailed them and they get back to me in less than 2 hours.

Here is a new review from PCMag.com - https://www.pcmag.com/reviews/...

The are consistently ranked as the top one of two for Wordpress hosting and hosting in general.

Sorry you guys had bad experiences, but that has not been the case for me.

I did a lot of research choosing a hosting company and people loved Bluehost so that's why I choose them. But then they locked me out of my account which is why I had to call customer support, then the oodles of calls to get them to unlock my domain name so I could move it to GoDaddy. Which resulted in nothing but taking our money. I noticed recently that they were bought by another company and their rating is dropping because interestingly enough I'm not the only one who lost access to their account. So, I'm not sure what is the deal now?

@Leslie Anne Morris Is this what your employee is dealing with too?

Yes, I had my domain on Name Cheap and that was a hassle. But the issues had something to do with being locked out of making changes due to what I was told was a software limitation or down time. The headache became big enough to rebuild our entire site.

Yeah, same here! It was worth getting a new domain name too!

1 Vote

Quote from @Michael Baum:

Well that hasn't been my experience at all, but I am very technical so I don't need to call customer support often. I have emailed them and they get back to me in less than 2 hours.

Here is a new review from PCMag.com - https://www.pcmag.com/reviews/...

The are consistently ranked as the top one of two for Wordpress hosting and hosting in general.

Sorry you guys had bad experiences, but that has not been the case for me.

I did a lot of research choosing a hosting company and people loved Bluehost so that's why I choose them. But then they locked me out of my account which is why I had to call customer support, then the oodles of calls to get them to unlock my domain name so I could move it to GoDaddy. Which resulted in nothing but taking our money. I noticed recently that they were bought by another company and their rating is dropping because interestingly enough I'm not the only one who lost access to their account. So, I'm not sure what is the deal now?

@Leslie Anne Morris Is this what your employee is dealing with too?

0 Votes

You can find some great STR possibilities in that area, especially if you can update a dated home. If your patient and willing to look, you could get 20%+ return in the Destin and Miramar beach area.

0 Votes

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

I'm surprised the question on if Proper is a quality company was even asked. Not only are they a superior company but they offer coverage on things other STR insurance companies do not. There are many companies that are less expensive and do offer STR coverage, but do they cover.... loss of rental income, bed bug infestations, loss of income over a furnace/ac or another major system going out, extended liability for guests off the property, and no limit on damage from guests. It all comes down to what you're willing to pay and feel comfortable with. As well as realizing the old saying is very true...you get what you pay for.

Proper is a broker. I don't think anyone questions whether they are a good brokerage. They are not a STR insurance company, nor are they "covering" anything. All of the loss items you specify are available through a variety of brokerages, because they are all selling the same policies.

I've had this discussion with you before and since you didn't believe me when I said their NOT a brokerage and never have been, I suggested you call the company and get more info. They are not selling the same policies as all the others, since clearly all the others don't cover everything they do. A couple quick phone calls can tell anyone that. Also, when you make a claim, it stays in Proper and you deal directly with them and no one else, that's not the case with a brokerage. They line you up with a company and move on to the next customer. I again urge you to call the company and get more info on who they are, who backs them, and what they do for the STR world.

Proper isn't an insurer. Their policies are insured by a Lloyds of London syndicate, as are most other STR policies.

From the Proper website:

“Underwritten by Lloyd’s of London, AM Best’s Rated A”

Yeah, they're an MGA not a brokerage.

If they were an MGA they would only sell through agents, not to the general public. An agency of any kind is a brokerage.

"A managing general agent (MGA) is a type of insurance agent who has the authority to underwrite insurance policies. Underwriting means an MGA can assess a customer's risk and offer them insurance. Traditional insurance agents sell insurance policies to customers. An MGA can sell policies and also approve them, set prices and settle claims." ~Definition of an MGA~

uncle. 😂

Haha....no you learned something. ;)

I'm not exactly sure what you taught me. I've spent most of my career in medical, property, and casualty insurance. I have also owned Short Term Rentals since 2005.

A managing general agent (MGA) or a managing general underwriter (MGU) is a specialized type of insurance agent or broker that has been granted underwriting authority by an insurer, and can administer programs and negotiate contracts for an insurer.

An MGA’s functions can include:

binding coverage
underwriting and pricing
settling claims
appointing retail agents in a certain region

At its core, the MGA manages all or part of the insurance business of an insurer and acts as an insurance agent or broker for the insurer, while working as the intermediary between carriers and agents, and/or insureds.

The MGA is not an insurer. Proper is not an insurer. Neither is Southpoint Risk or CBIZ an insurer. Most of the products that these brokers sell are underwritten by Lloyd's of London. They are essentially a field agent for the insurer, as are most other agencies/brokerages that sell STR policies, meaning they have authority to underwrite, bind coverage, negotiate and settle claims, and appoint retail agents.

That weird... this is NOT what the comment said earlier. Sounds like you need to contact the company and speak to them....pretty sure I already mentioned that I time or two.

0 Votes

Even though we have a STR co-host company I wouldn't dream of having someone else manage mine. And we want STRs 15 hours south of us, and a couple 26 hours west of us. :D

0 Votes

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

I'm surprised the question on if Proper is a quality company was even asked. Not only are they a superior company but they offer coverage on things other STR insurance companies do not. There are many companies that are less expensive and do offer STR coverage, but do they cover.... loss of rental income, bed bug infestations, loss of income over a furnace/ac or another major system going out, extended liability for guests off the property, and no limit on damage from guests. It all comes down to what you're willing to pay and feel comfortable with. As well as realizing the old saying is very true...you get what you pay for.

Proper is a broker. I don't think anyone questions whether they are a good brokerage. They are not a STR insurance company, nor are they "covering" anything. All of the loss items you specify are available through a variety of brokerages, because they are all selling the same policies.

I've had this discussion with you before and since you didn't believe me when I said their NOT a brokerage and never have been, I suggested you call the company and get more info. They are not selling the same policies as all the others, since clearly all the others don't cover everything they do. A couple quick phone calls can tell anyone that. Also, when you make a claim, it stays in Proper and you deal directly with them and no one else, that's not the case with a brokerage. They line you up with a company and move on to the next customer. I again urge you to call the company and get more info on who they are, who backs them, and what they do for the STR world.

Proper isn't an insurer. Their policies are insured by a Lloyds of London syndicate, as are most other STR policies.

From the Proper website:

“Underwritten by Lloyd’s of London, AM Best’s Rated A”

Yeah, they're an MGA not a brokerage.

If they were an MGA they would only sell through agents, not to the general public. An agency of any kind is a brokerage.

"A managing general agent (MGA) is a type of insurance agent who has the authority to underwrite insurance policies. Underwriting means an MGA can assess a customer's risk and offer them insurance. Traditional insurance agents sell insurance policies to customers. An MGA can sell policies and also approve them, set prices and settle claims." ~Definition of an MGA~

uncle. 😂

Haha....no you learned something. ;)

0 Votes

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

I'm surprised the question on if Proper is a quality company was even asked. Not only are they a superior company but they offer coverage on things other STR insurance companies do not. There are many companies that are less expensive and do offer STR coverage, but do they cover.... loss of rental income, bed bug infestations, loss of income over a furnace/ac or another major system going out, extended liability for guests off the property, and no limit on damage from guests. It all comes down to what you're willing to pay and feel comfortable with. As well as realizing the old saying is very true...you get what you pay for.

Proper is a broker. I don't think anyone questions whether they are a good brokerage. They are not a STR insurance company, nor are they "covering" anything. All of the loss items you specify are available through a variety of brokerages, because they are all selling the same policies.

I've had this discussion with you before and since you didn't believe me when I said their NOT a brokerage and never have been, I suggested you call the company and get more info. They are not selling the same policies as all the others, since clearly all the others don't cover everything they do. A couple quick phone calls can tell anyone that. Also, when you make a claim, it stays in Proper and you deal directly with them and no one else, that's not the case with a brokerage. They line you up with a company and move on to the next customer. I again urge you to call the company and get more info on who they are, who backs them, and what they do for the STR world.

Proper isn't an insurer. Their policies are insured by a Lloyds of London syndicate, as are most other STR policies.

From the Proper website:

“Underwritten by Lloyd’s of London, AM Best’s Rated A”

Yeah, they're an MGA not a brokerage.

If they were an MGA they would only sell through agents, not to the general public. An agency of any kind is a brokerage.

"A managing general agent (MGA) is a type of insurance agent who has the authority to underwrite insurance policies. Underwriting means an MGA can assess a customer's risk and offer them insurance. Traditional insurance agents sell insurance policies to customers. An MGA can sell policies and also approve them, set prices and settle claims." ~Definition of an MGA~

1 Vote

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

Quote from @Collin Hays:

Quote from @Sarah Kensinger:

I'm surprised the question on if Proper is a quality company was even asked. Not only are they a superior company but they offer coverage on things other STR insurance companies do not. There are many companies that are less expensive and do offer STR coverage, but do they cover.... loss of rental income, bed bug infestations, loss of income over a furnace/ac or another major system going out, extended liability for guests off the property, and no limit on damage from guests. It all comes down to what you're willing to pay and feel comfortable with. As well as realizing the old saying is very true...you get what you pay for.

Proper is a broker. I don't think anyone questions whether they are a good brokerage. They are not a STR insurance company, nor are they "covering" anything. All of the loss items you specify are available through a variety of brokerages, because they are all selling the same policies.

I've had this discussion with you before and since you didn't believe me when I said their NOT a brokerage and never have been, I suggested you call the company and get more info. They are not selling the same policies as all the others, since clearly all the others don't cover everything they do. A couple quick phone calls can tell anyone that. Also, when you make a claim, it stays in Proper and you deal directly with them and no one else, that's not the case with a brokerage. They line you up with a company and move on to the next customer. I again urge you to call the company and get more info on who they are, who backs them, and what they do for the STR world.

Proper isn't an insurer. Their policies are insured by a Lloyds of London syndicate, as are most other STR policies.

From the Proper website:

“Underwritten by Lloyd’s of London, AM Best’s Rated A”

Yeah, they're an MGA not a brokerage.

0 Votes