@Helsi Fair point but I haven’t seen anyone, you included, provide the OP with any actionable advice. Most of the comments were saying 1) Homeowner’s insurance will exclude damage from a paying guest, and 2) Airbnb’s host protection is inadequate. Not very helpful for the OP nor any host reading this thread.
The landlord may have mentioned damage to their property being their concern but they are also exposed to liability risk which could be far more expensive than property damage. So both issues do need to be discussed not just for the sake of the OP but for every host that ends up reading the thread.
It’s an important and complex issue. One that you clearly don’t grasp so please be a little kinder with your remarks to someone who has spent a few hours reading through all the insurance documentation in an attempt to uncover the right answers.
On than note, I am signing off because quite clearly there are people on this thread who just want to voice an opinion without any regard for facts.