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Does renters insurance cover a hotel stay?

During a wind storm the other night, a telephone pole fell into my apartment’s living room. I wasn’t hurt, and my parents offered to let me stay with them, but will my renters insurance cover a hotel stay?

avatar
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no—I’m sorry to hear about your apartment, but I’m relieved to hear you weren’t injured!
The good news is your renters insurance will cover a hotel stay or provide a similar accommodation while your apartment is under construction.
Additionally, because windstorms are considered a
covered perils
, your renters insurance may also cover:
  • Additional living expenses you occur while you’re at the hotel
  • Restaurant meals, assuming they’re reasonably priced
  • Storage unit costs
  • Pet boarding
  • Cost of doing laundry
To know precisely what is covered, how you’ll be reimbursed, and begin the claim process, you should contact your insurance company and explain the situation.
Finally, if your rate increases after submitting a claim, you should use
Jerry
to ensure you’re getting the best rate on both your renters and
car insurance
.
A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.
View full answer 
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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