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Does renters insurance cover hotel stays?

There was a fire in my apartment building, so no one can stay there until the building is inspected. My friend said I could stay with her, but will my renters insurance cover a hotel stay?

avatar
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about the fire. I hope everyone is safe!
The good news is that renters insurance will cover your hotel stay or pay for a similar accommodation while your building is uninhabitable.
Since fire is one of the
covered perils
listed in renters and home insurance policies, you can submit a claim with your insurance company.
While your building is uninhabitable, your renters insurance may also cover:
  • Additional expenses, such as gas that result from being displaced
  • Restaurant meals, assuming they’re reasonably priced
  • Storage unit costs
  • Pet boarding
  • Cost of doing laundry
To fully understand what is covered and how reimbursement works, you should contact your insurance company and fully explain the situation. Also, don’t forget to save your receipts!
Finally, if you want to ensure you aren’t overpaying for renters or
car insurance
, you should use
Jerry
. Jerry is an insurance comparison app that shops for low prices with top insurance companies for free. You will get quotes in seconds, can make changes at any time, and if you ever have any questions, agents are just a text away.
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