[farrel]

What is the insurance premium on:

1) A dedicated holiday apartment with little valuables and suitable furnishings

2) My primary residence full of my own furniture, valuables and sentimental items

Who is going to do that appraisal? AirBnB?

[alexg0]

That's actually fairly easy. Host should declare coverage limits. Does not make sense to artificially lower the limits, since insurance will not pay for what's not declared. Thinking somewhat similar to insurance that FedEx and UPS are happy to sell.