Have you ever put in an Insurance Claim to Airbnb as a Host?

I am checking out Insurance Companies and crunching the numbers. I am curious though if anyone here has turned in an Insurance Claim for damage or theft or anything? and if Airbnb paid or not? I think someone told me you have to turn in the Claim within 48 hours after the Guests Leave.

Since it isn’t insurance but a guarantee which is limited in all sorts of ways. Have you read the small print?
No way I would depend on it!

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The consensus on Airbnb coverage is insufficient, hard to collect, nightmare evidence collecting, etc

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Don’t even think about hosting without proper STR insurance. Some people think they can get away with it - and they can for a certain time but something will happen sooner or later.