If you're referring to renting out your home on services such as Airbnb, I would recommend looking at what are called Homeshare policies. A few companies that provide them (in addition to the companies you mentioned) are Slice
, and Allstate
. For your second question, I would recommend speaking directly with an agent at the companies. Because I'm not an agent at these companies and they do not list their exclusions online, I can't give a definitive answer on your wiring.