“Don’t rent out a room in your house or apartment through Airbnb or a similar service without making sure both you and your guests are insured.” - http://www.insurancebroadcasting.com/news/Airbnb-2743523-1.html
This article from an Insurance site warns against renting out your home on Airbnb unless both you and your guests are insured. How do you make sure that your guests are insured? By asking them for a certificate of insurance, showing proof of their renter’s insurance in place.
While I agree that this is ideal, users of Airbnb are using the site because it is fast, easy and no-hassle. I can’t imagine that a host will get many bookings if they ask for this kind of information. However, should a guest damage anything in your home, is it worth the money you’ve made on Airbnb? Think carefully about this and weigh your risk tolerance before accepting a guest.