From the earlier conversations on this particular issue, business insurance (i.e. landlord insurance, hotel insurance) is needed. You can't get business insurance to run an unlicensed business in a private residence, particularly if a) your home isn't zoned for it, and b) if it violates your lease (in the case of a rental)/HOA (in the case of homeownership)/local law (in the case of NYC/SF/Paris et al.). Is there an opportunity there for someone to step up and insure Airbnb-style rentals? Yes. Meanwhile, though, these rentals are not insurable.