We're happy you had a great trip, Andrew! Regarding the damage deposit/insurance: Airbnb does offer a 1M policy, but it is not all inclusive. In fact, they warn the home owner to include a damage deposit. Insurance laws are such that we cannot add this fee into the cost of the rental as a default. The insurance must be specifically chosen for valid coverage (we can't just "add it in"). As Airbnb does not offer optional fees as part of the reservation, we request this after the reservation is accepted. We clearly and boldly notify the guest of this and the cost is requested and obtained through Airbnb. Something as simple as setting a suitcase on a bed and having a sharp edge tear the comforter could result in a $100+ cost to replace the bed spread. Accidents can happen, even to the most careful person. With the damage insurance, we handle filing the claim and take care of the replacement at no cost to the guest. It is only our intent to ensure that a simple accident, resulting in damage, does not put a damper on a guest's stay. Again, we're so glad you stayed with us and would be happy to host you any time you visit Park City.