I think this is progress, but I'm still wary. The following 3 things are still question marks for me: 1. Who is underwriting this insurance and–most importantl

I think this is progress, but I'm still wary. The following 3 things are still question marks for me: 1. Who is underwriting this insurance and–most importantly–is it still valid for hosts who are technically breaking the law of their city/county/state? 2. Are we sure this policy wont make these situations more common or targets for fraud? I'm thinking of bank heist movies where they always say "don't worry, your money is insured by the federal government" ... 3. What about guests? If I were to guess, I'd say the next big AirBnB scandal will be "guest attacked by host's dog" or "guest slips in host's shower, breaking rib". Who's going to cover that?