Most people are aware of Airbnb's $1 million insurance Host Guarantee program. And, for those that are not, Airbnb claims to insure homeowners for up to $1 million in damages if something happens while a host is away. While a lot of people are familiar with the NYC orgy incident most issues are more dull, and involve a broken table, a broken leg, or for us- a guest running their car into a garage door to the tune of $2400 bucks. (For the record, we got that money back, but no