It'd be useful if Airbnb offered a full coverage for a premium. That would make it easier for hosts since getting another insurance yourself is more complicated

It'd be useful if Airbnb offered a full coverage for a premium. That would make it easier for hosts since getting another insurance yourself is more complicated as you will need to pay much more for insurance that covers Airbnb style rentals, even though that part you already have coverage for and just need regular insurance when the property is not rented.