Hi @Kimberly668
Sorry to hear about your experience.
You stated the guest enter lock building, by means the guest break in to the building.
It would help if you were necessarily to,
- Call the local sheriff
- Contact Airbnb Support via message look at the case, request the team canceled the reservation on the guest behalf, take a photos for the event
- Call directly to the insurance company
- Claim the loss in civil court
As an Airbnb host, you do need additional insurance.
Hosting with any accurate frequency is likely to void your current homeowner's policy, and Airbnb's protection is inadequate.
On the Airbnb help page, links as below,
Although the host guarantee it is not easy to get support from Airbnb. Some members, are verifying to get the protection program in these rare cases.
Host guarantee
https://www.airbnb.com/d/guarantee
Host Protection Insurance
https://www.airbnb.com/d/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...