Renters Insurance

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

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.

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Renters Insurance

Will my renters policy cover additional living expenses?

Your renter's insurance policy only covers your personal property and personal liability - not the property or displacement due to an issue with the dwelling. Since it is an issue with the dwelling, your landlord should have coverage for this type of issue on their policy.
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