Quick answer
Rarely, without a specific endorsement. Short-term rental activity, including occasional Airbnb-style use of a guest suite or accessory unit, generally falls outside standard homeowners and personal umbrella coverage, which are written around personal, non-commercial use of the property.
If you rent out any part of your home, even occasionally, this needs to be addressed specifically rather than assumed to be covered. We check this directly during a full asset review for any client with this kind of arrangement.