But a real insurer also isn't facilitating bringing the people who made the damages into your house.

Airbnb has the means to properly screen guests, but does not adequately do so.

I've always personally thought both sides of the AirBNB transaction were crazy. When I was a teenager, long before AirBNB was a thing, we used to rent houses to party in and it was always a disaster.

I've never found that getting a hotel was significantly more expensive. Getting my price might be less convenient distance wise but the experience is consistent. To me, AirBNB seems like all of the risks of unprotected sex without any of the upside.

Traditional insurance policies are written on a "replacement cost" basis. Which means.....the carrier will initially pay what they consider to be a depreciated value for the item, then when you purchase the identical or similar item, you show them the receipt, and the carrier then forwards a secondary check for the difference of the depreciated value (payment 1 to you) and the current retail price.

No, home insurers wouldn't normally require receipts unless the value of some of your items were in dispute. They usually just ask for an itemized list with estimated replacement values.