Hi @Renee108,
Whatever you have for your regular insurance, they MUST be aware that you are running a business out of your home, and they must be made fully aware of what you are planning to allow.
I went through multiple agents in my insurance company, several interviews (including the underwriter), and ended up not having to purchase extra insurance. (A copy of AirBnB's insurance policy is part of my file.)
For a while there, I was not certain if I would have to purchase commercial insurance, but in thend, with some clear rules agreed on, they let me go with my regular policy, augmented of course, by AirBnB's.
Be very careful, and very clear on this subject--with everyone involved...otherwise, you may not be covered at all.
Kim