Tenant wants to Airbnb - insurance issue

[Viral Mehta]

Hello,

I have someone who wants to rent my 3/2 SFR property so that they can then Airbnb it. They will pay me higher than market rent for doing it. Clearly there are a lot of pros and cons of this.

I have one specific question around homeowners insurance. My insurance broker has said that if I allow my tenants to Airbnb, then my standard homeowners insurance will become invalid. He can add short term rental riders to my insurance but that is for me to Airbnb the property -not my tenant. Once I allow a tenant to Airbnb the insurance company has no idea how good my tenant will be at managing this process and hence they do not allow this. I am aware of Airbnb insurance and my tenant would carry some insurance (and add me to it) - but of these will only be applicable if the Airbnb guest causes some issue. 

My problem is I have no way (that I am aware of) to get home owners insurance in this model (say there is fire in my home not caused by the tenant - I want some insurance to cover me in this case). If someone is in a similar situation and has researched about homeowners insurance - I would love to know how you have done this. 

Thank you very much for your help.