They drink it and fall down the stairs.  

For me, this includes drinking and TV.

If one tenants property is damaged as a result of the negligence of another tenant, if someone is injured while visiting one of your tenants or if someone is injured driving home after drinking heavily in one of your tenants units and sues a renters policy will likely respond respond. 

Then I would be anchored off a tropical island for the next 20 years eating fish and drinking rum....Just kidding I think you have some good advice going here.

And when I check AirBnb's booking availability...I can't tell if some of these rentals are actually totally booked or are simply blacked out because they don't feel like renting it for the week.I'd like to have coffee or a drink with someone experienced in the field..maybe someone that manages short term rentals or maybe has been in it awhile or has a few themselves.

Was up drinking coffee and looking  at 6am Monday morning.

I often break it down into the "five pillars" of protecting your assets.1st pillar is avoiding unnecessary and risky activities (don't drink and drive, insurance generally won’t cover your poor decisions) and take good care of your investments - these simple steps will help you prevent lawsuits before they even occur.2nd pillar is a good insurance policy as that cover the majority of your exposure.

There are also great dining & drinking options as lots of big city chefs moved up to Truckee to "retire".

Usually free food and free drinks.

. , but again the info is like tying to drink from a fire hose.