Hi @Stormy-and0 ,
Welcome to the community!
Sorry to hear your experience and understand your’re frustrated.
The short answer is that as an Airbnb host, you do need additional insurance.
Hosting with any real frequency is likely to void your current homeowners policy, and Airbnb's own protection is inadequate.
Unfortunately, standard homeowners, insurance can get extremely tricky when dealing with Airbnb rentals due to the business exculan language in standard policies. Which means in most cases it will not be authorize.
The Host Protection Insurance acts as primacy coverage, so other insurance policies will not be used for claims that are covered under the program.
As an Airbnb host, it's crucial that you have plenty of Protection, as you are having many people come in and out of your renl. While normally things run smoothly, you do not want to run in the issue of an incident occurring and have to deal with the stressful aftermath.
Having the appropriate insurance safeguards, you against these kind of solutions that the Airbnb oragrams do not fully protect against. It's is important to find what works best for you.
The Proper Insurance.
In the Airbnb help page, where you’ll find articles such as the below.
Host Guaranteed
https://www.airbnb.com/d/guarantee
Host Protection Insurance
https://www.airbnb.com/d/host-protection-insurance