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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. Wil our renters insurance cover a hotel stay?

avatar
Sarah Gray · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Renters insurance
 will cover a hotel stay or provide a similar accommodation if your rental property is rendered uninhabitable due to physical damage. However, it will not cover hotel stays if there is no physical damage to your property.
This coverage will normally be listed as “loss of use” in your policy and may also cover:
  • Reasonably priced restaurant meals
  • Storage unit costs
  • Pet boarding
  • Laundry expenses
  • Additional living expenses incurred while at the hotel
To know what’s covered and how you’ll be reimbursed—and to begin the claim process—you should contact your insurance company and explain the situation.
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