He may have imposed more than $20,000 in potential liability on the landlord (i.e., if something went wrong). Standard insurance does not usually extend to the

He may have imposed more than $20,000 in potential liability on the landlord (i.e., if something went wrong). Standard insurance does not usually extend to the hotel-style leasing that AirBnB offers, so the landlord (and the tentant) would have been personally liable for any damages. It is possible that the actuarial value (i.e., risk-adjusted value) of those potential liabilities exceeds $20,000, but we would need more information to know.