What protection do I have against property damage?

What protection do I have against property damage?
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The Airbnb Host Guarantee provides protection for up to $1,000,000 to a host for damages to covered property in the rare event of guest damages above the security deposit or if no security deposit is in place.The Host Guarantee program doesn't cover cash and securities, collectibles, rare artwork, jewelry, pets or personal liability. We recommend that hosts secure or remove valuables when renting their place. The program also doesn't cover loss or damage to property due to wear and tear.Learn more about the Host Guarantee at http://airbnb.com/guarantee
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