11.4 if you are a guest or a co-host , you understand and agree that airbnb may make a claim under your homeowner 's , renter 's or other insurance policy related to any damage or loss that you may have caused , or been responsible for , to an accommodation or any personal or other property located at an accommodation -lrb- including without limitation amounts paid by airbnb under the airbnb host guarantee -rrb- .