Quote from @Vince Scipione: In my professional oppinion I feel as though the influx of agents joining the field since covid significantly watered down the quality in the industry.

If it can be used as a STR it's going to have septic, well water and need Starlink for internet.

I'm assuming that this situation wouldn't pass inspection, but one could argue that all the spaces the guests have access to (i.e. bedroom, bathroom) are safe and habitable + the guests wouldn't be exposed to the kitchen.Also, do the city inspectors inspect other parts of the home the guests won't access (i.e. inspectors check the basement for water infiltration even though no guests would ever be living or even going down there). 

Running water through it? 

Water damage is one thing but getting smoke smell completely can be tricky! 

Do any of these STR insurance policies cover against fire, water, wind or hail damage.

I would also look at the availability of public water and public sewer, if not at the site how far away are those services.

While you may be willing to live without heat/ac or hot water for a week.

Without solid knowledge on this subject, you can easily end up in hot water. 

Infrastructure (eg water, sewer, electrical supply to the house) should be the landowners' responsibility.