If fire or water damage occurs, leaving your contents and belongings damaged, for example, your furniture and bedding, and as a result, your apartment becomes uninhabitable, your policy may cover the cost of temporary accommodation for up to 180 days.
It’s important to understand that this policy only covers damages to your contents and not to structural aspects of the building itself. If the damage affects the structure of the property, such as the walls, floors, roof, or other permanent fixtures, this would generally fall under the responsibility of building insurance, which is typically held by the property owner or landlord.
Structural damage isn’t considered an insured event under your household contents insurance, so it wouldn’t make you eligible for compensation for temporary accommodation costs.