@Vina595 Airbnb isn't insurance and if in the worst case scenario the guests burn your house down, it won't be covered. Airbnb isn't going to rebuilt your house. Not are they going to cover your lost rents if unable to use your property. People are really mistaken on this. That's what your insurance was saying. So yea Airbnb has some coverage for damages and other things but you do need a policy that covers STR. I got a quote from Proper and a local company and both were $4000. My regular insurance was $1980. So I'm going with Steadily who came in at about $2500. Good luck!