The AirBnB “Host Guarantee” is NOT insurance, as the many posts on that topic and about guest damage will show when you browse through them. If you are doing a whole house STR (Short Term Rental) you need STR insurance, because your regular homeowner insurance probably won’t cover STRs, and some companies have cancelled when they found out a house was on Air. Search the forum for posts on this topic.
It hasn’t harmed rental of my 3 rooms upstairs, but it’s a full blast seasonal market from May to September. My welcome message tells them I need name of companion for insurance if not mentioned in booking message, although my insurance doesn’t.
I do it as a filter to test 1) guest communication (do they read messages?) and 2) to see if I get any pushback about the idea of house rules.
I want to catch red flags early, preferably while they can still cancel without penalty. It has raised my spidey sense 3 times, the first one of my rare “uncomfortable” cancellations, then one that finally admitted that her local boyfriend working here for the summer would be staying over, and finally one undisclosed with guest being sneaky about it because he wanted to troll the bars and bring someone home.
I live downstairs, so I want to know who’s over my head.