Landlord insurance when tenant does AirBNB

[Account Closed]

I have a home in San Francisco that I'm considering leasing (most of) to a tenant who would live there and operate an Airbnb. The tenant would pay me a fixed rent, which would be more than typical if no airbnb was allowed, and operate the airbnb themselves. Is there landlord insurance that will cover me for allowing a tenant to operate a short-term rental?

I don't trust the "insurance" that Airbnb offers.

[Nathan Gesner]

I also would not recommend allowing the tenant to do this. You're taking all the risk and the tenant gets the reward.

If you insist, talk to your insurance company and be very clear about what you are doing. I would also require your tenant to carry appropriate insurance with you listed as "additional insured" or "additional interest". This will help protect you and it will ensure you are notified if there is ever a change in coverage or a cancellation of the policy.

Don't do it.