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Will Renters Insurance Cover My Hotel Stay?

renters insurance hotel stay

Will Renters Insurance Cover My Hotel Stay?

Besides covering your personal liability and stolen, destroyed, or damaged personal belongings, renters insurance covers your hotel stays if your rental home becomes uninhabitable after a covered loss. However, do you know when and how long it will cover your hotel stay? Let us discuss.

When Will Renters Insurance Cover a Hotel Stay?

Renters insurance will cover your hotel stays only if your rental home/apartment becomes unsuitable for living due to a loss or damage resulting from the covered perils, including:

  • Theft
  • Fire and lightning
  • Vandalism
  • Water or steam leakage/overflow
  • Riots
  • Explosions
  • Smoke
  • Freezing of air conditioning, plumbing, and heating
  • Damage caused by steam-heating or water-heating appliances/systems
  • Hail and windstorm

Also, remember, your renters insurance will only cover the additional living expenses (costs above what you usually spend) you incur when you stay in a hotel. For example, if you usually spend $200 a week and the costs you incur without a home are $300, your insurance will pay the difference, which is $100.

In addition to your hotel stay, renters insurance will pay for:

  • Foods
  • Pet boarding
  • Parking costs
  • Laundry
  • Transportation costs
  • Storage unit costs

 How Long Does Renters Insurance Cover My Hotel Stay?

It depends on the type of your policy and the damage caused to your dwelling. Generally, loss-of-use coverage under renters insurance is around $9,000 or 25%-30% of your personal property coverage. Once you reach the limit, your provider will not cover any of your expenses, despite you are staying in a hotel.

What Kind of Hotel Stays Are Covered by Renters Insurance?

It depends on your policy type and the amount of loss-of-use coverage you have. However, despite where you stay (either a 5-star or 3-star hotel), expenses going over your coverage limit will not be covered.

When Are Hotel Stays Excluded from Renters Insurance?

Hotel stays won’t be covered by renters insurance under these circumstances:

  • If your policy doesn’t cover the peril that has caused the damage
  • If the cost goes beyond your coverage limit
  • If you file a false claim

Besides these, certain repairs won’t technically make your home uninhabitable, including power outages, plumbing backups, gas-stove issues, AC/water heater malfunctions, etc. If you stay in a hotel for any of these reasons, your policy will not cover you.

Does Renters Insurance Cover Mold-Caused Hotel Stay?

Yes, sometimes, renters insurance may cover hotel stays caused by mold problems resulting from a covered peril. For example, if a burst pipe causes mold infestations and you stay in a hotel consequently, you will be covered.

Will My Landlord Cover Me If My Renters Insurance Doesn’t?

Your landlord will cover your hotel stays only if you are forced to leave home for extensive repairs or renovations. Other circumstances/perils your landlord is not liable for will not be covered by them.

With renters insurance covering hotel stays, you can get reimbursements for the additional living expenses you incur when your dwelling is under repair after a covered loss.

Cover Your Hotel Stays with Remland Insurance

At Remland Insurance Services Inc, we offer all-inclusive and affordable renters insurance to pay for your hotel stays and other liability expenses resulting from a covered loss.  Contact us today to get started on your personalized coverage.


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