I agree with you, however, I just want to point out that a completely destroyed house in a drug binge orgy party isn't even close to the worse case scenario, at least then you can "only" lose 100% of the value of your physical property, maybe ~$300,000. The worse case scenario is someone getting seriously hurt or dying, that could cost millions and has virtually no upper limit - https://medium.com/matter/living-and-dying-on-airbnb-6bff8d6...