Airbnb Arbitrage Insurance

[Justin Golden]

Hi BP. I am under contract on a duplex with my fiancé in the greater Philadelphia area. We are moving into one unit and inheriting a tenant in the second unit. The tenant has a sublet agreement with the current owner of the property and lists the unit on Airbnb. I am looking for insurance recommendations for my situation. I am unsure if the tenant has a rental insurance policy. I know airbnb provides aircover for hosts however I am not a host so feel like I would not be covered. Any insight is greatly appreciated!

Justin