Hi @Stephanie1887
As an Airbnb host, you do need additional insurance.
You may consult with your local insurance agency for additional protection and insurance procedures.
In addition, hosting with any accurate frequency is likely to void your current homeowner's policy, and Airbnb's protection is inadequate.
Do you hear about the Airbnb Host Guaranteed and the Airbnb Host Protection Insurance?
And the difference?
The host guaranteed it is not easy to get support from Airbnb.
However, some members are verifying to get the protection program in these rare cases.
It is essential to follow the Airbnb host guarantee to progress and get the support of the claim.
What is an Airbnb Host Guarantee?
https://www.airbnb.com/help/article/279/what-is-the-airbnb-host-guarantee
What is Host protection Insurance?
https://www.airbnb.com/help/article/937/what-is-host-protection-insurance
What's the difference between Airbnb's Host Guarantee and Host Protection Insurance?
https://www.airbnb.com/help/article/938/whats-the-difference-between-airbnbs-host-guarantee-and-host...
I hope this will helps.