Does Homeowners Insurance Cover Hotel Stay During Power Outage? What You Need to Know

Does homeowners insurance cover hotel stay during power outage? In certain cases, it may. Many homeowners insurance policies include loss of use or additional living expenses (ALE) coverage, which can help pay for a hotel if a power outage makes your home unsafe or unlivable due to a covered event, such as storm damage or fire-related issues. This coverage is generally meant for temporary housing and essential living costs while your home is being restored, but brief outages or utility-related failures without direct property damage are