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Bryan Insurance Agency, LLC

287 Windsor Hwy, Suite 350
New Windsor, NY 12553

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Can Home Insurance Cover Lodging During Repairs?

At Bryan Insurance Agency LLC in New Windsor, NY, we know that the process of making repairs to your home after a natural disaster or other qualifying event can bring many unknowns. For many of us, those unknowns are a scary part of making repairs that we might not consider. Although it might be easiest to stick our heads in the sand and forget about the looming stresses associated with making home repairs, it’s necessary to think about these details when planning to fix a significant aspect of our home. 

Some repairs on the home, such as tweaking a leaky faucet, don’t require us to do much more than schedule the repair with maintenance personnel. Others, such as replacing large damaged interior sections, might mean that we can’t live in our home while it’s being repaired. In this case, you may wonder if your home insurance may be able to cover the costs of lodging. While every insurance policy has its own terms and limits, we may be able to answer this question generally below.

Can Home Insurance Cover Lodging During Repairs?

If the repairs are related to a qualifying event, your home insurance policy might be able to cover temporary lodging while the home is being repaired. Depending on how long you’ll need coverage, this can look like hotel stays or short-term apartments. Before you book the hotel and assume your insurance will cover it, you should speak with an agent and review your policy to see how to get coverage if it qualifies. Otherwise, you’ll be stuck with a bill you can’t pay.

For more information on home insurance, call Bryan Insurance Agency LLC in New Windsor, NY, today!