If your home in Minnesota is uninhabitable due to repairs for qualifying damage, our team of insurance agents at SouthPoint Insurance Agency LLC wants to help you figure out how you’ll finance your stay in a hotel or other short-term accommodation until your home’s improvement process is complete. After all, you’ll need somewhere to stay as your home is being repaired and hotels aren’t cheap. Although every insurance policy has its own terms and limits, we may be able to give you some general pointers about whether you can expect your home insurance policy to reimburse or compensate you for short-term accommodation in certain circumstances.
Will Home Insurance Cover Lodging During Repairs?
Although limits and terms differ from one home insurance policy to another, as we said, some home insurance policies do provide coverage for hotel or short-term apartment stays if lodging is required because the damage has rendered the home uninhabitable. Of course, there are limits and conditions to how this coverage may be applied to a situation. As a result, it’s important to speak with an insurance agent at our agency before assuming that your home insurance policy will pay for a hotel or short-term rental. Otherwise, you may end up signing up for lodging you can’t afford and being stuck with a hefty bill on top of your other concerns during such a trying time.
If you can’t live in your home for other reasons, such as cosmetic repairs or neglecting routine maintenance, your home insurance policy probably won’t cover lodging. Even so, it never hurts to ask. Our agents are happy to answer any questions you may have!
To learn more about what our home insurance policies may cover, call SouthPoint Insurance Agency LLC in Minnesota today!