Renters insurance covers your hotel stays if your rental home is uninhabitable after a covered loss or event. Besides protecting your hotel stays, renters insurance also pays for additional living expenses you incur while staying away from your rental home, including transportation costs, pet storage, restaurant bills, laundry expenses, etc. However, renters insurance will only cover your hotel stays and other costs up to its loss-of-use coverage limit. This means it may only cover your hotel stays for a short period.
Let us discuss when and how long renters insurance will cover your hotel stays.
When Are Your Extended Hotel Stays Covered by Renters Insurance?
Your renters insurance will cover extended hotel stays if your rental apartment or home becomes uninhabitable for living due to damage or loss resulting from the covered perils, including:
- Freezing of air conditioning, plumbing, and heating
- Fire and lightning
- Hail and windstorms
- Water or steam leakage/overflow
- Damage caused by steam-heating or water-heating appliances/systems
When Are Extended Hotel Stays Not Covered by Renters Insurance?
Hotel stays won’t be covered by renters insurance in the following scenarios:
- If a peril that has caused the damage is not listed in your policy
- If the cost exceeds your coverage limit
- If you file a false claim
Besides these, some repairs won’t technically make your home unsuitable for living, including AC ,alfunctions, plumbing backups, gas-stove issues, power outages, etc., so staying in a hotel for any of these reasons will not get you reimbursements.
Tips to Prevent Extended Hotel Stays
While renters insurance can cover your hotel stays and additional living expenses, you will only be covered up to your coverage limit. So, it is good to count on some preventive measures to minimize the probability of extensive damages that make your home uninhabitable.
- Have a Backup Generator
This will ensure that your home’s essential systems are current and running, eliminating the need for temporary relocation. However, get consent from your landlord to install a backup generator.
- Request Your Landlord to Make Your Home Resistant to Perils
While you cannot do anything with unexpected or sudden damage or repair, you can ask your landlord to make your home resilient against your community’s possible, vulnerable perils. For example, if you reside in a wind or flood-prone area, ask your homeowners to reinforce your home against such events. This will help save your home from sustaining extensive repairs or damages.
- Prevent Water and Mold Damage
Mold and water damage can be more severe than you think. Ensure your plumbing systems work well, and regularly check your home for any signs of mold, like the rotten smell, warped walls, spotted clothing, chipped paints, etc.
Although renters insurance covers your hotel stays, having sufficient coverage is essential to get extensive protection. So, consult with your provider concerning how much loss-of-use coverage you require to protect your additional expenses and act accordingly.
Get Comprehensive Renters Insurance from Jack Stone Insurance Agency
At Jack Stone Insurance Agency, we offer an all-in-one renters insurance policy to cover your extended hotel stays and other liability expenses and lawsuits you incur after a covered loss. Contact us today to get started on your personalized renters insurance coverage.