Your home buildings and contents insurance might not cover damage to your home or damage or theft of its contents if you have paying guests staying through a service like Airbnb so you should check this with your insurer. Some offer an add-on to your existing insurance so you’re covered. Home insurance usually covers you if someone visiting your home is injured or their property is damaged and you’re liable but, again, check with your insurer that you’re covered for paying guests. Airbnb provides its AirCover for Hosts insurance policy for free, which includes cover for damage to your home and belongings, and injury of guests or damage to their belongings. Other similar services may not offer this level of protection, though.