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Does renters insurance cover a hotel stay during a power outage?

Our power has been out all day. It will be too cold tonight without a heater. Will our renters insurance cover a hotel room during a power outage?

avatar
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m so sorry to hear about your power outage!
Renters insurance
provides excellent protection for you and your property, but unfortunately, it will not cover every possible loss.
Your renters insurance policy will not cover a hotel stay due to a power outage alone. Even if your power is out for several days, renters insurance won’t cover a hotel room if there aren’t any physical damages to your property.
If there are physical damages to your rental property that make it unlivable, then your renters insurance policy will be able to cover a hotel stay and other expenses. Your landlord’s insurance will cover the dwelling itself.
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