AirBnB facilitates a set of behaviors that's almost never covered by normal homeowner/renters policies, along with being illegal in some places and against most

AirBnB facilitates a set of behaviors that's almost never covered by normal homeowner/renters policies, along with being illegal in some places and against most rental contracts. The only people who benefit are the guests, as any host who isn't using AirBnB to fill a rental property they already owned is taking on an incredible amount of personal liability for a relatively trivial sum of money (compared to the uninsured costs if something goes wrong).