Good Morning @Bronwyn-Florence0 Not many traditional Homeowners policies will allow or protect you for losses.
It's best to get a seperatte liability policy or insure through a company that just does short term rental insurance. I use Proper Insurance on one of my large buildings. They are not cheap however cover you for things that traditional liablilty policies won't cover you for such as bed bugs, dog bites, off premise liablity as well as loss of income.
Karen