Which insurance for hosts?

[Matt Smith]

I own an Airbnb in the US. I would like to make sure I am cover if the guests injury themselves. Also, if they break something (Airbnb doesn't always reimburse fairly). Also if there is more than $300 of damage, the procedure with Airbnb is complicated. For example, I would need to get a police report, etc. 

Do you recommend any insurance company policy? What's the annual cost?

Thank you.