I like the idea, but it being free is actually not great in this situation. If I am going to swap homes with a stranger, I'd rather there be some kind of gate to make sure they are serious. I'd also rather that you guys just handled the $25 insurance for every visit, so it is a constant, not an option I would need to deal with. I'd rather pay $50/visit and a membership fee to improve safety than have it be free. That still is way better for me than a hotel, and give you all a little bit of revenue.

I worry a bit about crime as well. With no vetting of the users, what stops someone from setting up a fake profile, getting someone to show up a specific time and place, and then doing who knows what to them? Even if that is an edge case, it is a really serious edge case.