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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

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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ 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.

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