And, even if you get other insurance, most carriers won't let you keep two policies on the same place.

Mass Mutual is probably the best carrier for designing policies for leverage.

Also, you have to file the claim through Airbnb, not the carrier that is actually underwriting the policy. 

@Radley Estrada    Have your tenant contact her medical insurance carrier. 

I stumbled upon mail carrier route marketing offered by the US Postal Service.

Some exceptions exist for estate planning.If you have some other type of loan it will depend on the lending institution and their internal guidelines.The insurance carrier is usually the one that alerts the bank, but the bank might also learn about it through their usual tax records analysis.There are members here on BP that have had the due on sale clause invoked by their banks, so it is a risk.

Please note that it is much more difficult to find carriers who will write this type of policy.I've never come across a lender who will allow you to have less coverage than the sales price of the property.  

Many carriers will drop you if they find out there is asbestos siding.

Another way is to hook up with the mail carrier on that route who may know what happened. 

Your protection is in getting insurance policies that provide you coverage and include a duty to defend clause - meaning the insurance carrier has a duty to hire an attorney to defend you.