What if a guest injures themselves on my property and blames me?

This is where you need Owner’s Legal Liability Insurance which is automatically included in RentCoverShortTerm. There are any number of examples of these types of claims from someone tripping over loose carpet (where claims have exceeded $1,000,000) to balconies collapsing. RentCoverShortTerm includes $20,000,000 owner’s liability.