Hello @Lorna170
If you look on the Airbnb website they do have a section of regulations in various countries including the US.
However you can't expect a listing company to keep up with the various STR regulations across the world. It's up to us as the business owner to check with our local government website for these regulations in our area.
Airbnb does also make it clear that the guarantee is not a substitution for the STR business owner to have their own insurance.
However I do think Airbnb should have a checklist that comes up for hosts setting up a listing to remind the business owner to check for STR regulations in their areas and to make sure they take out appropriate insurance.