Does Homeowners Insurance Cover A Hotel In The Event Of A Power Outage? 
I think what you are asking is would a Homeowner 's policy provide support to stay in a hotel if your home is uninhabitable as a result of a covered loss . It is always a good idea to discuss the specific terms and conditions of your policy with your Insurance Professional , of course . However , in my experience here in CT , most Homeowners ' policies include coverage for `` extra expense '' incurred if you have to live elsewhere while your home is being repaired or rebuilt after a covered loss . This is usually necessary after a rather serious occurence that makes a home completely uninhabitable due to structural damage , a fire or hurricane for example . In the cases I have seen involving only electric power loss to a home , this is usually as a result of a storm . In situations like that , I have not seen a case where the home has been genuinely uninhabitable for an extended period of time . Power is usually restored within a few hours . 