It begs the question, what would be a good verification system for online identities so that sites like AirBnB can leverage? Also, will your property insurance cover this or would this be considered albeit rightly to some extent a carelessness on your part. Come to think of it, like any other insurance industry, providing insurance (dedicated?) for such people for an additional X% wouldn't be a bad start - though it might need more volume for it to be profitable.