No — once a property becomes a rental (full-time, part-time, or short-term), standard homeowners insurance no longer applies. Most homeowners policies will deny claims and may even cancel mid-term if the carrier discovers undisclosed rental use. Landlords need a dwelling-fire (DP-3) policy designed for rental property, which provides coverage for the structure, loss of rents, and landlord liability. Short-term rentals (Airbnb, VRBO) need specialty coverage that even most landlord policies exclude.