No, the sharing economy is neither exempt from human behaviour, nor the law. Although some people think it is, that's just because you can often get away with it for a while... until disaster strikes. Sometimes people will behave badly, or have accidents, and break something really valuable in your Airbnb rental. If you then go and claim the insurer may point out that your house and contents cover was priced as a 'me living in the property' not 'renting the property out' cover. But this is easily fixed, they sell the other type, and you should buy it. It isn't even that expensive. So now you have no excuse.