Does standard renters insurance cover damage, vandalism, or theft by an Airbnb guest?

My cousin is renting an apartment, and he's thinking of listing it on Airbnb since he'll be away for a few months for work. His landlord is open to this idea and they would share the profits. Will my cousin's renters insurance cover any problems caused by an Airbnb guest?

Answer
No, standard renters insurance does not cover damage, vandalism, or theft by an Airbnb guest. This would instead be covered by the insurance of the person who owns the Airbnb, assuming the policy extends to short-term rentals.
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Alexah Grinnell
Answered on Mar 08, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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