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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

By Kristine Lee

Updated January 9, 2024

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.

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