I put way too much faith in Airbnb's "million dollar coverage" when I was a host.

I had an Airbnb guest steal all the electronics from my apartment -- Sonos speakers, wifi router, everything. They also left behind a large stack of obviously stolen credit cards, social security cards, and driver licenses.

When I called up Airbnb support to tell them what happened they responded by saying "We've found that most disputes between hosts are just misunderstandings. Have you tried talking to them about it?"

Then when I tried to claim they needed original receipts (which I obviously didn't have for everything) and ultimately only paid out a small fraction of the original cost (because the items were no longer new).