On: NY official: Airbnb stay illegal; host fined $2,40...

[voidlogic]

>>Imagine the scenario if an AirBnBer does this with say a cigarette?

How is the situation different if you have a friend stay over night? What if they house sit for you a couple of days?

The only difference above is they are not paying you, but how does that affect liability?

[namdnay → voidlogic]

Your home insurance will cover damage caused by friends staying over. They won't cover damage caused by customers of your (undeclared) business.