The first policy — Airbnb Host Guarantee or Host Liability Insurance — protects the host in case you damage the host’s property. If you were injured or suffered a loss while on the property, you would not file a claim using this insurance. Instead, you would use the latter – Airbnb Host Protection Insurance – which protects the Airbnb property owner and is used to cover guests in case of accidents or losses. The categories of covered items are outlined in Airbnb’s resource pages, and they include bodily injuries to guests or others; damage to or theft of property belonging to a guest or others; and damage caused by a guest or others to common areas such as building lobbies and nearby properties.