@Letti0 and @Lisa723, Thank you for the information. Unfortunately, I had to use the VRBO insurance when a guest cranked the AC down on a hot day and froze up the AC because it was running so hard ( I now have a note on AC that says not to set to below 75* because some were setting into the 60's!!). Well, once the AC was off the system began to thaw and pipes drip water. AC is in the ceiling above dining room. It was a disaster. Water came thru the ceiling, down the fixture, and it was a mess. I ended up with having to replace much of the dining room ceiling and have repainted. It was a pretty penny, but I was releived becasue the guest had purchased the policy. I filed a claim, sent pictures, and invoices, thinking that the policy would reimbuse me. I didn't. It tried to just charge the guest. They were the nicest people who never meant to do the damage. They had left a wonderful review. When they contacted her, they just said there was damage and she was responsible for the amount. She text me in a panic. Long story short, the policy didn't cover and I had to just pay for everything.
I read someplace, in another discussion when i was researching, that another host experienced the same issue. That the VRBO insurance was a joke. I haven't dug into it too much, but with my only claim in many years rejected, I am leaning on cancelling that and just either going with deposit or nothing.
Lyn