Uh, it does protect the owner of the property from this sort of thing (this is the perspective the article is written from, at the end encouraging those listing properties on AirBnB and the like to carry their own commercial liability policy).<p>Is anybody actually arguing that a property being covered by liability insurance makes the property safer? I suppose that is the case in more commercial&#x2F;industrial settings where the insurance company has a list of requirements on the policy.<p>Change the scenario. Is it reasonable for the renter to assume that the floorboards in the building are sound? This really only differs in degree from that.