I had that happened to me.What has worked really well for me is a detailed set of Landlord's Rules and Policies that I incorporate into my standard lease agreement.

With the changes in the selection options on Airbnb, we went to a Super Strict 30 day policy. 

Quote from @Jake Langley: Thanks Chris, the policy does not cover it, but it seems crazy that we would have to pay as homeowners.

@Gary M caceres  Yes, I have a "business owners policy" for that, and it is higher than a personal policy. 

That trend, along with ongoing shortages of available housing supply, will support 4% growth in home prices next year, he predicts.The optimistic forecast follows three straight years of the lowest volume of home sales since 1995, after affordability concerns pushed many prospective homebuyers to the sidelines.https://www.realtor.com/news/trends/2026-housing-market-fore...

For my other units, I have varying insurance policies from different providers.

Have you talked to Booking.com and see what the policy for damage reimbursement?

The good news is that wages have gone up 4.5% this year.

You can have an umbrella insurance policy to cover.

Fed Policy in the FogWith the shutdown now at a close, attention shifts the Federal Reserve for guidance on policy heading into the new year.