I agree it is a total nightmare. I live in Cheltenham UK so rent the whole house out in March for Race week then weekends through the year. The first year I told our insurers and it went up by about £200 . Fair enough I thought. Last year we didn't do airbnb because of covid. Just trying to renew our insurance and it had to be changed back to the one we took out 2 years ago. This time it is £500 more than our usual house insurance as the first year was a favour.
Airbnb say they cover you for 1000000 $ and I phoned to check that this was for the house as well and this was confirmed. SO today I just took out the usual house insurance and it all went through smoothly so I thought I was covered. A last minute phone call from the broker who told me the agent who sold it had made an error and I am not covered and no ordinary insurance policy will cover letting your house out. So I am stuck with paying the extra £500. That is with plum insurance!
I cant understand what the Airbnb insurance is all about as surely we cant claim off home insurance and them.