In other words, if there was a broken leg on your property that resulted in $250,000 in medical, lost wages, and pain & suffering, if there was gross negligence on your part, the total judgement could be $1.25 million, and worse, your insurance company could deny it.So what constitutes gross negligence? 

I'm older and need to build up my financial security knowing that I have a lot of future medical bills that are coming my way(multiple sclerosis).I look forward to chatting with you.

Safe travels and hope to host your next trip to Cambridge.Don't forget to leave us a review on Airbnb!

Why are people traveling to the area, understanding this matters. 

I have a solution that I do myself once a year.Here's one of my best tips: go on Airbnb as a TRAVELER, in Traveler mode.

Ideally my goal is to travel while renting out this property.

Quote from @Andrew Steffens: Not sure as a traveler I would stay in one or not, but I am sure there is a market for it. 

This year we've used 1 of our furnished rentals for my wife's clients who travel into town for weekend intensives.

Credit scores are tricky because there could be items like medical debt or student loan debt that weighs the score down. 

This is like asking in an air travel forum, how do you fly a plane?