I have less confidence that renter understand their needs. Getting "AirBnb" marketed insurance would be an uphill battle of mind share. Too much of the AirBnb c

I have less confidence that renter understand their needs. Getting "AirBnb" marketed insurance would be an uphill battle of mind share. Too much of the AirBnb competitive advantage is based on avoiding legitimate business expenses, like hotel taxes and liabilities. It would require a high profile case of an uninsured renter losing big on a civil lawsuit to change renter's approach. Too many think they are not businesses. They do not understand they've left the warm and safe world of coddled house owners and entered the cold and uncertain land of liability and responsibility. This is no longer the land of mortgage subsidies, mortgage issuance. These renters are often pathological customers for their suppliers. People who've rented an apartment and are sub-leasing to strangers. Utility customers not paying commercial rates for garbage collection. They are re-selling residential internet against TOS. Just about ever form of price discrimination businesses have setup to favour home owners is getting abused in Airbnb hotels. Airbnb renters are going to need convincing before they increase their cost basis.