@Angelique179 My suggestion is to get your own short term rental insurance or small business insurance, however Airbnb provides Aircover but Aircover is only covered the time of the stay. If your listing is also on other short rental platform, Airbnb does not cover it. Also as the owner of the property, you are responsible for your own property not Airbnb as Airbnb just an online short term rental platform, however Airbnb offers the limited liability. In Australia the majority of hosts have their own short term rental insurance in order to make sure they have a full coverage plan for their guests.
Sarah