Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Does renters insurance cover hotel stay if my air conditioning system goes out?

I have medical issues that require me to be in air-conditioned rooms. Will my renters insurance cover a hotel stay while my AC is being fixed?

Jul 29, 2019 Cincinnati, OH

Answer
Author profile picture

Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 5+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Typically, your renter's policy will not cover your hotel due to your air conditioner being out. A broken AC is not considered the loss of use of the dwelling (home) — they typically only pay for other accommodations when the entire dwelling is uninhabitable. I recommend you check out our guide to what renters insurance covers. Every company is different so it doesn't hurt to call your insurance company and ask a claims adjuster how your medical issues may affect your policy. If you have any questions, don't hesitate to ask.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Do I need a police report to file a claim with insurance if I damaged my own vehicle?

You do not need a police report to open a claim. Since it was a single-vehicle accident, you will be charged as at-fault if the claim is paid, which would result in a higher premium. I would get an estimate for the damage and see if it's worth filing a claim for, and possibly pay out-of-pocket…
Jan 16, 2020 Hillsboro, OH

Is it necessary to get umbrella insurance with uninsured / uninsured coverage?

Umbrella insurance provides additional liability coverage above and beyond what you have on your auto and homeowners policies. This protects your assets if you are sued for injury or damage that you may have caused to another party for which you are liable. Umbrella insurance generally does not pro…
Aug 2, 2017 Columbus, OH

If I hit a tire in the road, is that considered a comprehensive claim?

This accident would actually be paid out under your collision coverage because you collided with the tire. Because you only damaged your vehicle in this single-vehicle collision, it would also be considered an at-fault collision claim. What you should think about is the rate increase you will proba…
Aug 18, 2018 Columbus, OH

I was rear-ended but the driver drove off before we exchanged information

The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information. Your insurance company's claims department will be able to sort out the other driver's informatio…
Dec 11, 2017 Fairfield, Ohio