Identify the unfair aspect with respect to the sentence extracted from an online Terms of Service:
```
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 ( including without limitation amounts paid by airbnb under the airbnb host guarantee ) . 

```
. OPTIONS: ['Limitation of liability' 'Jurisdiction' 'Choice of law'
 'Contract by using' 'Arbitration' 'None' 'Unilateral change'
 'Content removal' 'Unilateral termination'].