Is Airbnb's liability protection enough?

[Mike D.]

So I'm going to be renting out a condo in California on Airbnb. Condos are difficult and expensive to insure here. The HOA offers enough protection for the unit itself and Airbnb claims to offer $1m liability protection. What is the consensus on Airbnb's insurance? Can you trust it if somebody sues you? Does it provide protection between stays? My gut tells me I need my own liability protection--I'm in business with Airbnb but don't exactly fully trust them--but like I said, it's difficult and expensive to obtain. Thoughts?

[Greg Scott]

Get an umbrella liability policy.  They are written off your personal residence.