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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If I'm looking to get renters insurance on a short-term Airbnb rental, what's the best way to go about it?

I certainly understand your concern, but you cannot get a renters policy for an Airbnb you are temporarily residing in. If you have a renters policy for your current address, your liability coverage will cover any damage you cause to the Airbnb (up to your liability limit).

Renters Insurance

Will my HO4 renters policy cover wet fungi protection?

I can't answer this question - you need to look at the exclusions and special coverages in your renters' insurance policy dec page (declaration page). That part of your policy will specify how much coverage you have - if any.

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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