Does my homeowners insurance still cover me if I rent out my house?

TDI's home guide has a short section on this. It says most policies will not pay for damages or injuries that happen during short-term rentals. If you rent your house out for short-term lodging, it says to ask your insurance agent whether you are covered, and that you might need to buy more cover [1].

The guide also looks at the other side. If you are a guest in a short-term rental, your home or renters policy might cover you if you damage a host's property. It says to ask your agent before you rent [1].

And if you book through an app or website that offers cover of its own, TDI says to ask your agent whether you need it [1].

So the question to settle before you list the house is narrow. Which of your own coverages still answer while a paying guest is in the house? The page does not answer that for you. It tells you to ask your agent, and to ask the same about any cover the app or website offers [1].

Open the TDI home guide and read "Coverage for short-term rentals". Then read your own policy for a business-use or rental exclusion. The rules here are Texas examples.