[DanBC]

Insurance may not pay if the homeowner has invited the guest in.

Many home insurance claims in the UK are not paid: http://www.bbc.co.uk/news/business-35401104

There are plenty of cases of people in the UK being robbed by eg cleaners and insurance doesn't pay.

http://www.bbc.co.uk/programmes/b05qvn36

> Last week Money Box heard from a listener who was surprised to find that her home contents insurance did not cover her for theft by a cleaner. Money Box listeners have told us that insurers seem confused about whether you are covered if carers and home helps steal from you. An insurance expert tells Money Box how you can find out.

(They misuse the word "carer" here, which should only be used about people who provide unpaid care. They mean something like "care worker".)

[atirip]

https://www.airbnb.com/host-protection-insurance

[DanBC]

Doesn't appear to cover a bunch of stuff.

> Some examples of what the Host Protection Insurance program doesn’t cover:

> Intentional acts where liability isn’t the result of an accident.

EG, theft.