does usaa renters insurance cover hotel stay

Yes, USAA renters insurance covers hotel stays if you are unable to live in your rental unit due to a covered loss. This is known as loss of use coverage. Loss of use coverage can help pay for the costs of additional living expenses incurred while your rental unit is being repaired or replaced after a covered loss, such as:

  • Temporary housing
  • Restaurant meals
  • Pet boarding
  • Laundry expenses

The amount of loss of use coverage you have will depend on the limits of your renters insurance policy. You can typically choose a loss of use limit of up to 24 months.

If you need to file a loss of use claim, you should contact USAA as soon as possible. USAA will need to verify that the loss is covered under your policy and that you are unable to live in your rental unit. Once your claim is approved, USAA will work with you to arrange for temporary housing and other expenses.

Here are some things to keep in mind about USAA renters insurance and hotel stays:

  • Loss of use coverage is an optional coverage that you can add to your renters insurance policy.
  • Loss of use coverage will only pay for hotel stays if the loss is covered under your policy and you are unable to live in your rental unit.
  • The amount of loss of use coverage you have will depend on the limits of your renters insurance policy.
  • You should contact USAA as soon as possible if you need to file a loss of use claim.
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If you have any questions about USAA renters insurance and hotel stays, you should contact USAA customer service.

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