Sadly, you likely don't. AirBNB's "insurance" doesn't cover anything except the host's possessions. It doesn't cover building damage or damage to others' posess

Sadly, you likely don't. AirBNB's "insurance" doesn't cover anything except the host's possessions. It doesn't cover building damage or damage to others' posessions. So, it's not true commercial insurance despite the fact that a business is being run. And transient renters statistically do a lot more damage more often than long-term (12 months or more) renters.