Hello @Helen267,
Good question. I'm afraid I don't know the answer to this, especially as all insurance policies are different.
There is some more information on how it works in our Help Center, here, but if you are unable to find a specific answer on this, I would recommend contacting our Open Homes team at openhomes@airbnb.com. They will be able to help you further with this.
Good luck with it all and thanks so much,
Lizzie
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Thank you for the last 7 years, find out more in my Personal Update.
Looking to contact our Support Team, for details...take a look at the Community Help Guides.