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What island?
There were warnings put out on Maui recently about short-term reservations likely getting canceled last minute as Maui County is trying to reserve those rentals for those affected by the Lahaina fires.
If Maui you may want to consider another option.
As to your specific question, CSP coverage is generally pretty good but it’s never really a bad idea to add extra coverage if it’s in the budget.
Especially for Hawaii travel.
I’ve had more than one flight cancelled leaving Hawaii and it’s always a major pain due to flight schedules in and out.