Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
If you can not live in your rented home or apartment due to a covered loss (claim) then your renters insurance policy will cover loss of use and can put you up temporarily in a hotel or motel. For example there is a fire and you can not live in your home your renters policy will pay for your housing under loss of use until a suitable replacement can be made or the policy limit runs out which ever comes first.
Renters Insurance will pay for a hotel stay on a short term basis following a covered loss, the deductible will apply and the charge must be deemed normal and customary and must not exceed the policy limit for Loss of Use.
In order for insurance to pay for the hotel, the unit must not be in livable condition as a direct cause of the covered loss by the same policy contract.
Renters Insurance is an inexpensive and important form of protection for one's personal contents, loss of use and personal liability.
There is a link providing an online format to obtain a quote and buy renters insurance online in multiple States; may be used directly by Consumers. An exemplary online experience for all! http://hda.stillwaterinsurance.com
That is a great question! If your apartment is destroyed or damaged to the point that it is not safe to live in, your renters policy will provide for housing. You will want to check on the policy specifics, for some it is a per day amount, for others it is a number of days kind of thing. It is one of those things that makes renters insurance such a great thing to have! Thanks for asking!
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In order for insurance to pay for the hotel, the unit must not be in livable condition as a direct cause of the covered loss by the same policy contract.
Renters Insurance is an inexpensive and important form of protection for one's personal contents, loss of use and personal liability.
There is a link providing an online format to obtain a quote and buy renters insurance online in multiple States; may be used directly by Consumers. An exemplary online experience for all! http://hda.stillwaterinsurance.com