If someone injures themselves and sues, they will be suing the LLC and not you personally.

If someone were to get injured, general liability insurance would help cover medical bills, legal costs, and potential settlements.Another crucial policy is workers' compensation insurance, especially if you hire employees or contractors to work on your fix-and-flip project.

I have never had a situation where it's come up with a client except for one case where a tenant drove a car into a building and one of us was minorly injured on site.

And you as the owner are injured, financially. 

If you only have a homeowners policy, and something happens like a fire or a guest gets injured, and the insurance company finds out you're renting out the house, you're in deep trouble. 

Maybe someone passed, they were recently injured, etc.

If a guest injures themselves on your property and sues you, the insurance will protect you financially. 

Just remember you have to absolutely clean them as scheduled, no matter if you're sick or you're injured or there's some family obligation or emergency. 

My wife and I co-host, and she was starting a cleaning service before she was injured.

Without this additional protection, landlords could face significant legal costs and damages in the event of a lawsuit.Tenant Injuries Due to Poor Maintenance – If a tenant is injured because of known maintenance issues, such as broken stairs or faulty wiring, and negligence is proven, insurance may not cover the claim.