Does Airbnb's AirCover replace the need for STR insurance?

AirCover (from Airbnb) and the Book With Confidence Guarantee (from VRBO) are platform-provided supplemental protection, not insurance. They cover some guest damage and liability, but they have significant limits, exclusions, and they are not regulated insurance products. They do not replace a proper STR insurance policy. Most experienced Georgia STR operators carry both platform protection and a dedicated STR policy.