The article says they are working to offer an "insurance option" to hosts. So what, if it happens again to a host who hasn't taken this option, they're screwed

The article says they are working to offer an "insurance option" to hosts. So what, if it happens again to a host who hasn't taken this option, they're screwed? What would have been more reassuring is saying "airbnb will of course fully indemnify hosts against guests damaging their property" - as they've had to do in this recent case. He seems to say that airbnb are working in the opposite direction in future though.