AirBnB Insurance for In-Law suite

[Matt Anderson]

I searched for an answer to my question on the forums and online but was not satisfied with what I found (either unclear answers or several years old).

If I have an in-law suite in my basement, and I want to rent it out through Airbnb and potentially VRBO and others, am I not adequately protected by the AirBnB Host Guarantee and Host Protection Insurance?

I feel like I am reading that you really need an additional policy that is designed for short term rentals (I know that my homeowners policy will not cover any STR related claims), but why is that the case if I have the AirBnB insurance at my disposal? Is it simply an issue of people not feeling comfortable with the liability limits provided by AirBnB?

What am I missing?

If I do need an additional policy, is Proper still the top recommendation for this situation?