Responsibility depends on what is written in the contract. Typically, the landlord retains liability for structural damage, major systems and pre-existing defects. The operator takes on responsibility for day-to-day maintenance, cleaning and damage caused by guests. The contract should include a process for reporting and resolving damage claims, and the operator should hold short-term rental insurance covering guest-caused damage. Documenting the property condition thoroughly at the start of the arrangement protects both parties in a dispute.