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    Does Renter’s Insurance Cover Hotel Stays?

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    Suppose your rental unit becomes uninhabitable due to damage from a fire or a massive storm, your renter’s insurance will help protect you financially. Additional living expenses, including the cost of replacing any damaged personal belongings, personal liability and litigation costs, and even the cost of a stay in a hotel are claimable.

    This article discusses when your insurance policy will cover the cost of a hotel room if your rental becomes unliveable and the instances when it won’t cover additional living costs.

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    When does renter’s insurance cover a hotel stay?

    If you need to move out of your rental property because of unexpected damage from perils listed in your renter’s insurance policy, the cost of a hotel stay is covered. Your renter’s insurance also includes loss of use coverage.

    The loss of use coverage is built into your insurance policy and is a designated maximum amount per claim. However, keep in mind that an insurance claim must be filed first to determine the extent of the damage before the loss of coverage and your reimbursement for costs begins.

    Related: How much does renters insurance cost?

    Covered perils listed in your insurance policy include:

    Is Tenant Insurance Worth the Cost?

    The small cost of tenant insurance is definitely worth it. Not only will your insurance pay for your hotel, but additional expenses that you may not know are covered can also be claimed. Relocation costs, gas and transportation if you need to move further away, storage unit costs, pet boarding, and groceries are also covered by your renter’s insurance.

    Your rental insurance policy also covers any liability or litigation costs that arise as a result of damages to the rental unit or any personal injuries that third parties may claim. Remember, loss of use coverage only covers temporary accommodations while your rental unit remains uninhabitable due to a covered peril.

    Related: What does renters insurance cover?

    When Doesn’t Your Tenant Insurance Cover a Hotel Stay?

    Your insurer can deny the loss of use coverage for a few different reasons. These reasons include any damage to your rental unit occurring from an uncovered peril or when a false claim is filed.

    Additionally, inconveniences aren’t covered by your insurance provider. This includes events like a power outage, even if that outage lasts for more than a week, you will be unable to claim loss of use coverage in this instance.

    Another reason your insurance provider won’t reimburse you is if the cost of your motel or hotel stay exceeds your policies coverage limits. Your renter’s insurance will only reimburse you for expenses accrued up to your policy limit. Your insurer also won’t pay upfront for your additional living arrangements, instead, you will need to pay and receive reimbursement for the costs.

    Related: How to file a renters insurance claim

    APOLLO is Canada’s leading provider of tenant insurance, tailored specifically for renters and customizable to fit your unique lifestyle. Get your free quote in less than a minute and we’ll send your policy documents right to your inbox.

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    Originally published December 10, 2021, updated September 12, 2024

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