My takeaway from the article is - State Farm is a mass-market company - no Airbnb - Chubb is an upmarket company - $15k revenue limit - Liberty Mutual is a m

My takeaway from the article is - State Farm is a mass-market company - no Airbnb - Chubb is an upmarket company - $15k revenue limit - Liberty Mutual is a mass-market company - 'occasional' rental, cannot be 'engaged in business' - rather vague Problem is the vagueness, and the Chubb and Liberty Mutual agents contradict the firm's spokespeople, which is kind of their fault. They should get it together when it comes to Airbnb. Pretty common, easily insurable use case with a known claim history. Of course, if you want to run a hotel business, you need a commercial policy, and many if not the vast majority of Airbnb-ers skirt the rules. So yeah, when you do that, there is a massive change in liability, and yeah, if you don't get the right insurance there's denial. If somebody trips and falls and sues you, or burns down your place, and the insurance company says you were running a hotel business and denies your homeowner's claim, you're screwed. I don't know what Airbnb's umbrella does for you then.