You're missing the point. It may be that the rewards possible from renting out your house for a few nights might not be worth the risks in letting strangers int

You're missing the point. It may be that the rewards possible from renting out your house for a few nights might not be worth the risks in letting strangers into your home (at least under the current terms offered by Airbnb). That would mean that AirBNB doesn't have a viable business model, or that it's a much smaller market than previously thought. Saying "insurance will handle it" isn't an answer. AirBnb needs to come up with some creative and effective policies to solve the real underlying problems first. A good start would be better identity verification of renters. Once they've turned it from a bad risk into a good risk for a large market of people, then they can outsource the details to an insurance company.