Does Homeowners Insurance Cover Hotel Stay? 
Homeowner 's insurance policies typically cover additional living expenses -LRB- Loss Of Use -RRB- from a covered claim . These expenses must be reasonable and may include expenses you incur while having to live or stay away from your primary residence while it is being repaired or rebuilt . Sometimes a hotel is economical and/or needed so the expenses would be covered . The expensive little bottles ofalcohol in the mini-refrigerator ? Sorry ... those you have to pay yourself ! 