Hi redwoods,

I submitted my question to an allexperts website, and this is the response that I received (and I am in the U.S. by the way):

"The industry standard policy form excludes coverage for detached structures that are rented to others and it excludes coverage for "landlord furnishings" if the residence is rented on a full-time basis, however there is no language in the policy that eliminates coverage for the dwelling itself.  There is language in the liability section that excludes liability coverage for property rented to others, however the exclusion gives back coverage if the primary residence is only rented on an occasional basis.  The term "occasional" is not defined in the policy.

"Without looking at your policy, I can't be certain that your policy has language that conforms to the industry standard.  There is no rider or endorsement that grants this coverage, it is automatic in the policy.

"Amazingly, this will probably be a common occurrence here in the Tampa Bay area where I live.  With the Republican convention happening here in August, there are many homes, even one in my neighborhood, that is renting for the month for about four times the typical average monthly rental.  If this home was insured on a Homeowner policy with industry standard language, the owner of the home would have no coverage issues and would be fully protected should a loss occur during the rental."

I asked him a follow-up question, and he replied that if my policy conformed to the industry standard, then I would be covered.  I called my insurance company again yesterday, and the agent I spoke with said I would be covered if I did one rental to one family in one year, but there was no mention of the number of days.  She said that two rentals (claims) in one year would not be covered.  The "allexpert" guy said he thought that was her interpretation of "occasionally" as referenced above.

Hope this helps.