I am a personal injury attorney and Airbnb host. The vast majority of renters’ and homeowners’ insurance policies do not cover injuries to Airbnb guests because insurers generally view Airbnb (or any short term rental) as a business. So, in most cases, any claim made by an Airbnb guest against a standard residential renters’/homeowners’ policy is going to be denied. The host would either need to have a business policy, an on-demand add-on policy such as Slice, or perhaps some sort of umbrella coverage.