Texas · A roommate can take the house off an HO-3
Renting a room does not turn your homeowners policy into a landlord policy.
An HO-3 assumes you live there. It insures the dwelling, your contents, your extra housing if a covered peril makes the home unlivable, and personal liability. A paying occupant is a fact the carrier underwrites. One long-term roommate, a boarder, and a weekend rental are not the same risk, and some forms exclude liability, or the property loss, once the use crosses into a business or a home-share the endorsement does not list. Disclose it before the first rent check. This is not legal or landlord-tenant advice.
A short-term guest is the sharper version. Many forms exclude home-sharing unless you add the endorsement, and the endorsement has its own limit and its own excluded causes. An injury to a paying guest is a liability question only if the form still covers that use. Raising the liability limit does not delete an exclusion. The tenant’s policy, if you require one, still does not insure your building: renters insurance.
The owner-occupied form you are stretching: Texas home insurance, Texas homeowners, home and household, and what each coverage is.
