Airbnb’s Host Protection Insurance takes precedence for most personal injury claims arising from accidents like slips, trips, falls, near drownings and electric shocks. You may still have the right to file a claim against the owner of the Airbnb rental, however, because North Carolina’s Vacation Rental Act gives landlords legal duties to keep their properties in a safe condition and proper repair. Those duties extend to repairing or replacing major appliances, which the Airbnb policy does not cover.