The OTHER booking site allows Hosts to have guests buy supplemental insurance at a coverage you choose. Much better than a useless security deposit. The Insurance is through CSA Travel Protection @ (888)501-3025. Maybe they can offer what you're looking for. Coverage below was $79 for $1m coverage.
"Your guest has selected Property Damage Protection to safeguard your vacation rental property - [xxxxx. Please be advised that the guest/policyholder has assigned potential benefit payments to you.
In order to safeguard your right to settle damages not covered by Property Damage Protection, we encourage you to file claims within 7 days of discovering the damage. In the event of submitting a claim, please remember to include all documents and photos to expedite claim processing.
Need Help? Call us to speak with Customer Care.
CSA Travel Protection | (888)501-3025
PURCHASE DATE
September 28, 2020
MESSAGE:
Your property is now protected!
Policy Number: 20272xxxx
PLAN CODE: B1
TOTAL PRICE: $79.00
PROPERTY ID: 751xxxx
HA RESID:HA-xxxxx
INSURED NAME: xxx xxxx
INSURED EMAIL: xxxxx@gmail.com
TRIP ARRIVAL DATE: Dec 19, 2020
TRIP DEPARTURE DATE: Jan 16, 2021
"