A written or oral waiver of thisrequirement is against public policy and is void.

But should I say it’s a safety issue?

If you have more than one policy with an agency, you often get a discount.

I would assume air bnb has a similar policy.  

I feel I should get something from this adjustment to our original lease, especially because it will necessarily mean greater use/mileage on the house.My policy is this:Individual must be screened and approved before they can move in.New Tenant must be willing to sign the lease and accept that they become 100% responsible for the terms of the lease and rent.

I think my cheapest landlord policy is $60 per month now.

Keep the policy active, and they should repair any termite damage found during the period of their active policy for no additional charge.

You can manage liability in other ways that are probably more effective, such as taking out a beefy liability insurance policy.  

You might also email Zillow, and the other major sites and ask what the policy is.

If you don't have an LLC set up and are using an umbrella policy to protect yourself from liability do you want a policy limit greater than or equal to the amount of equity you have in your properties or greater than or equal to the property values?