I've been hosting MTR's now for 5 years and have worked with most guest avatars and my company helps independent hosts make those B2B connections so I'm fairly well versed in the insurance displacement aspect.  

How big is the guest house? 

•Homes that accommodate more guests (more beds, larger spaces) tend to perform better, but they may also experience slow seasons.

On the inside, our popular furnishing touches include a neon light up sign and a very comfortable pull-out couch enabling two extra guests to maximize the occupancy. 

In my home I have no guest bedrooms.

You can add a rule about guests if you want.

VRBO does not really rely on reviews of guests. 

Let's say you have a guest every week for 10 months.

I learned a lot about managing an STR, specifically with revenue management and guest messaging.

With the tech I am using (a lesser known PMS) I am able to automatically screen guests, get their selfies, write leases, and collect deposits in my work flow even for Airbnb guests.