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Does renters insurance pay for a hotel?

My apartment building recently burned down, and I’ve been staying in a hotel all week. I live away from friends and family, so I didn’t have another option. I know my renters insurance will pay for the stuff I lost, but will it pay for my hotel?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m so sorry to hear that your apartment building burned down! The good news is, your renters insurance includes loss of use coverage. This pays for your hotel and any other temporary living expenses you incur while your rental home is unlivable due to a covered peril.
Additional living expenses covered by loss of use insurance include:
  • The extra gas you use to commute from your temporary home
  • A credit check you will need to rent a new apartment or home
  • Meals you eat at restaurants or get delivered to you
Loss of use coverage is meant to restore you to your standard of living. You’ll be covered for a limited amount of time, as stated in your policy. Before you sign a new lease and renew your policy, make sure your renters’ insurance has the coverage you need.
Once you get settled into a new home, don’t be surprised if you see your rates increase—submitting a claim will often cause rates to rise. That means it’s a good time to shop around and find lower rates using the
Jerry
app.
Jerry can provide you with competitive quotes in under a minute for free. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and can even assist you in canceling your old policy. And to help you find the best deals, Jerry will even
bundle your car and renters policies
.
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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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