Here is the link of what Airbnb will cover: www.airbnb.com/terms/host_guarantee (copy and paste). Airbnb does advise to have a homeowner's policy. My insurance company said they would not cover anything if my house is being rented on Airbnb. I recently switched to Proper Insurance which specilizes in vacation/short term rental properties. The rates are resonable for the coverage you receive. It has a robust liability insurance, but also includes intentional and unintentional damages, losses, and theft. What I like is it covers income loss if your rental becomes damaged. Here is there webiste: https://www.proper.insure/