If you purchased a minimum coverage policy, you might want to consider getting additional coverage. For example, most policies don’t cover flooding and earthquakes. For instance, insurance carriers in areas such as California don’t generally offer coverage in case of an earthquake. Also, coastal areas like New York City don’t cover flooding. Thus, you would need to seek additional coverage to pay for your hotel in case of loss of use due to these circumstances.
Additionally, more expensive policies cover moving expenses should your current residence become completely uninhabitable. In that case, your policy would cover your hotel stay while you find a new place to live.
Your policy would reimburse you for your items along with an additional payout to cover moving expenses like renting out a truck, hiring movers, or even airplane tickets.