There's a reason commercial insurance is higher...plain and simple, renters are hard on equipement.
Better option would be to get 2 RVs, the MH for your personal use and a travel trailer for commercial use. The depreciation from the hard use of the MH will likely be significantly more than taking a total loss on the travel trailer.
Of course, if you can't afford the MH without the airbnb income, you are setting yourself up for failure when someone trashes it and you have to cover payments for 6 months while it gets sorted out...and hopefully, you get reimbursed for the damage.
