While I’ve almost always purchased travel insurance, I just purchased airfare for Feb 2026, and paid extra for cancel back to my payment method (vs credit on the airlines) - I’ve found (for me) the accommodations are the easier aspect. But, I do take them very seriously, and usually won’t book 3rd party (booking dot com, etc.) but I do use Airbnb, which I’m fond of and have been very happy with for over 10 years.