Also remember tiktok guests watch tiktoks on how to score discounts and refunds.With Airbnb I have seen them deplatform hosts for no stated reason, cancel guests day of checkin because one child out of a large group had to go get a cast for breaking an arm, send emails to all guests platform wide stating it is okay to cancel penalty free, cancel all future guests on a friend because a scammer guest claimed bedbugs (even after two independent pros confirmed none were on property) and list goes on. 

If you want to prevent insurance claims I'd just look for a brick exterior and make sure your roof is insurable before close! 

And most are not ponzi schemes.Per the SEC and FINRA, some typical signs of a Ponzi scheme are promises of outsized returns (which is necessary to have a Ponzi scheme function since it needs a constant flow of new investors to avoid collapse), promises of impossible things like guaranteed returns and/or failure to disclose the true risk of an investment (to make the claimed high returns seem more plausible), etc.

Ive seen really luxurious one pieces and manufacturers claim it to be very easy to maintain and resistant to mold.

I went ahead and listed out the claimed details from Khron to add some context to my question.  

is dropping one property due to too many claims in a short period.

Initial Jobless Claims fell another 9K last week and came in at 323K which was better than the consensus estimates of 330K.

If you have an insurance claim with renters in the property and a homeowner policy I would expect the claim to be denied.The benefit of landlord insurance is that it will actually cover you, if you try to rent a house out with a typical homeowner policy you are simply not covered (even though you are paying premiums).Insurance is not where you want to go lowest bidder or look to cut corners - it is there to save your behind in the event of a major incident.

- or should I have the owner of the unit below me file a claim with their insurance?

As to your primary residence exemption, if you don't live there and you claim primary residence exemption that would be tax fraud.