Don't such policies exist, though? Homeowners insurance and renters insurance typically have options to cover burglary. I would argue that the risk here is not

Don't such policies exist, though? Homeowners insurance and renters insurance typically have options to cover burglary. I would argue that the risk here is not people gaming things on the market side, but likely the traditional route of filing a false police report and making a fraudulent claim. Ideally there could be an extension on existing policies for people who are going to be offering their homes on services like airbnb. Edit: I should have scanned the thread