I know this is late to the game, but I have not carried separate insurance for my AirBnB guests…until my recent renewal policy explicitly excluded it. The newest copy of my policy spells it out in bold letters that if I do STR in my home (I am an in-home host) and there is any kind of claim/event I am not covered in any way, shape or form. So, I finally made the call to my insurance company and confessed, not knowing if I would be completely dropped or if I would have to drop hosting depending on the outcome of the call. I was initially told my homeowner’s insurance would probably double and I would have to have a totally separate liability policy to cover the rentals. That quote was quadruple what I am now paying. The reasons I was given were based on the fact that my home is on one of the barrier islands of North Carolina and all policies for the barrier islands have to be written through the North Carolina Insurance Underwriting Association - which my current policy is but I did not have rental coverage. I know this is long, sorry, but when the agent actually plugged in the numbers, it turned out that my annual premium is actually over $1,000 a year LESS and now I have coverage, in writing, for my AirBnB. I know this is a much debated topic on here and many hosts, like myself, have chosen to continue with our STR business without additional homeowner’s coverage but for those who are on the fence, please make sure you read your current policy and if you will be left high and dry in the case of a claim, investigate your options. We all know Air’s $1 million coverage is dubious. You might be surprised by what you learn. I sure was!