Air BNB and Liability Insurance

[Bettina F.]

We have a seldom used guest apartment on our small hobby farm near Coeur d'Alene, ID.  I had planned to list it on Air BNB, and was on the website last night reading their terms of service.  It appears their terms of service have changed, in the past month, and it no longer states that "hosts" have the $1M liability insurance coverage through AirBNB.  But on the "cover page" to the hosting website, it still lists the liability coverage.   What gives?  Is there automatic liability coverage or not?   I would love the extra income from short term renting of my property, but not if I am left uncovered.

I searched the discussion forums and found a post that one host's homeowner's insurance has threatened to drop her if she AirBNB's part of her home.  The answer from AirBNB was not satisfactory -- basically find another insurance company.  I could not post my question on the AirBNB discussion boards without signing up.

I also could not find a "contact us" email link or phone number for AirBNB management.  I do want to sign up for something if I cannot contact them with a question or a problem.  

Is Air BNB responsive to their Hosts?  Or is it all slick marketing website with pretty pictures but little service?