Good take on it. And yes, still get insurance! We can’t assume that AirBnB AirCover is going to do exactly what they say it will. The Host Guarantee was definitely not a guarantee. So, it’s best to treat AirCover from the same lens as a host
It sucks. I been waiting for a month for a reimbursement. Guest admits their wrong, but didn’t want to pay so Airbnb said they will reimburse me. But I been waiting over a month and getting the run around. I barely hear from the Airbnb agent who has taken over this case.