@Jeff2854 The insurance provided by Airbnb is woefully inadequate. For damage it only covers guest induced damage and then only pays out a depreciated amount. It is also not an insurance policy so is unregulated.
Imagine an electrical fault causes the building to burn down - No guest at fault (or no guest at all if it is a dead night between bookings) so no coverage. Equally standard homeowners insurance is usually invalidated when you list on Airbnb irrespective of whether a guest is staying or not.