Does Your Renter’s Insurance Cover the Cost of a Hotel If Your Apartment is Damaged?

In Frederick, MD, the agents of Lebherz Insurance offer several policies for both renters and homeowners who want to make sure their property is fully protected. Renter’s insurance is similar to a homeowner’s policy except that it doesn’t cover the dwelling or any real estate. A renter’s policy covers personal possessions and, in most cases, accommodations if rental is uninhabitable.

What Happens When Your Living Area Is Damaged?

If your apartment is damaged, the first step is to notify your insurance agent. While the owner of the property is assessing the damage to the dwelling, your agent will need to evaluate any damages you may have incurred. At that time they will discuss the possible need for other accommodations if you cannot stay in your apartment or home. Although some policies may limit the amount of time you spend in a hotel, they normally allow enough time for repairs to be made or find another permanent residence.

When Are Other Accommodations Necessary?

Other accommodations are necessary when your rental is damaged to the point where it is unsafe for you and your family to stay. Holes that expose the interior of the home to outside weather conditions, no water, no electrical, extensive fire or smoke damage or defective appliances are just a few of the things that can cause extensive damage inside the home. 

If you live in Frederick, MD and want to review your renter’s insurance policy, call the agents of Lebherz Insurance. They can answer your questions and make sure policy is up to date and offers the coverage you need to remain fully protected at all times.