The property owner is typically liable for any losses and injuries experienced by their guests, as they typically carry what is called Airbnb Host Protection insurance. Outside of their own private insurance, Airbnb hosts can also invest in AirCover for Hosts, which provides $1M in host liability insurance and $1M in experience liability insurance. In the event your host does not have this coverage, you may be able to file a claim with the relevant party’s homeowner’s or renter’s insurance policy.