> Yes, the insurer clause is very frightening. you need
> police report for any damage more than $300.
> Does this mean that the mattress that was ruined
> in the past by a wet bed from a child that stayed,
> would need a police call? Airbnb, I am sure, in the
> future will force us to use our personal insurance
I think this indicates that you misunderstood the host guarantee to begin with (and/or that AirBnB was deliberately confusing people with the host guarantee)
To answer your question: no you would not get a police report in this case, because the host guarantee wouldn't pay out for something like this. And neither would any regular personal home insurance you might get. A guest in your house is just an occupant, similar to your own child. Will you go for an insurance pay day if your own child wets his/her bed?