Short and Medium Term Rentals Other insurance ... not homeowners not air cover

[Jonathan Wildy]

I'm so confused... do y'all do other insurance on top of homeowners policies on your short term and medium term rentals?  I had someone ask me today about how they get the same type of policy that they get with hospitable ... without having hospitable.  I don't use hospitable or any other combined booking engine other than VRBO and Airbnb.  It's so much work to use those other engines and I found them to be worthless for what I do.  Then does the insurance cover a mid-term rental?  I'm so confused as to if it is worth it.  From what I can tell the fees per booking are high and they don't really cover much other than those extras if I don't like the actual combined utility of the calendar maintenance of airbnb and vrbo.  If the same insurance does exist... then what is it ... because I truly don't want the hospitable or guesty route at this point.