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Will my renters insurance pay for me to stay in a hotel if my house is damaged?

My neighbor just had a tree fall on their house and they aren't able to stay in the home until the damage is fixed. I'm worried about something happening to the place I live and not being able to afford a hotel if I couldn't stay in my house. Would my renters policy cover me if something like that happens?

Apr 13, 2017 Augusta, ME

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The Zebra

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The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison …

Renters insurance is extremely valuable since it is often inexpensive and provides lots of coverage when things go wrong. Specifically in your situation, your renters policy should include a "loss of use" provision that would cover temporary living expenses if you weren't able to live in your home because of a covered loss. The amount of coverage you may have for loss of use can differ, however, so it's a good idea to review your policy to see how much coverage you have. If you have trouble reading your declarations page then I would recommend contacting your agent, and they should be able to quickly review your policy details.

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