The Airbnb million dollar insurance policy is a scam. If locals trash you house but don’t completely ruin any one item, here’s how that convo with Airbnb sounds....
We are not sorry, our corporate policy is red tape. We do have a million dollar policy (perhaps you should consider burning down your own house so we can help). Otherwise, go **bleep** yourself. We have made what we can off of your house. Now that some locals trashed it, it’s no longer an earning asset. We do have a million dollar policy if you want to try hosting again. “Good luck and let’s all hope that the house is burned to the ground if there is any damage”.