This home is not a luxury home so the insurance route seems overkill.2) Buy a worry free waiver and add it to the booking rate?

It certainly has a large dependency; you are at the mercy of that one OTA.In addition, unless you are at ideal occupancy, alternate platforms can fill some holes.  

- We had 2 break-in & furnace & HWH thefts there this year:(File a claim ASAP, you'll need:1) Utility bills to prove electric & gas were on2) A police report, proving a break-in3) Pics/video to prove the condition of the property to support theft claimWhat are you doing to mitigate additional damages?

When you hear something STOP, think on it, ask if it makes sense, then SEEK OUT additional info, seek out CONTEXT.

Worst ADU addition appraisal occur where there is no zone MF in the vicinity.  

Install additional stackable W/D units in the garage (requires some electrical work).2.

Doing additional payments will shorten the life of your mortgage and save you a lot in interest. 

As apples to an IRA Hope that makes sense .

Pm paid for it because they would incur additional cost disputing it and may never collect from the OTA.  

A factor is whether the panel and electrical can handle the additional load.