Renting your house or vacation house or even your car to help pay the expenses is growing more popular through sites like airbnb and VRBO. Please keep in mind, most personal auto policies and homeowners policies have exclusions that would deny coverage for a claim that occurs while you are renting out your property. A commercial insurance policy would be the necessary policy in both cases. A dwelling fire policy for your home might also be a solution if you plan to rent a room or the entire house for any period of time.