Insurance covering household contents may reimburse temporary accommodation costs for up to 180 days if fire or water damage makes the home uninhabitable. However, coverage does not include structural damage to the building, which is the responsibility of the property owner or landlord under building insurance.
When does insurance cover temporary accommodation due to emergency damage?
Insurance for household contents may cover temporary accommodation costs if fire or water damage results in your belongings, like furniture and bedding, being damaged and your apartment becoming uninhabitable. Coverage can apply for up to 180 days.
Does insurance cover structural damage to the building?
Household contents insurance does not cover damage to the building's structure, such as walls, floors, roof, or permanent fixtures. Such structural damage typically falls under building insurance, which is usually the responsibility of the property owner or landlord.
Is temporary accommodation reimbursed if the apartment is uninhabitable due to structural damage?
If the property is uninhabitable because of structural damage, household contents insurance does not cover temporary accommodation costs. Compensation for accommodation in such cases is generally not provided under contents insurance.