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?
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.