What type of insurance will cover Jeremy's hotel expenses while his home is being repaired after hurricane damage?

The Homeowner's Policy is specifically designed to protect against various risks that homeowners face, including damage to the structure of the home and personal property. One of the key features of many Homeowner's Policies is the inclusion of additional living expenses (ALE) coverage. This provision helps to cover necessary expenses, such as hotel stays, food, and other living costs, when the home becomes uninhabitable due to a covered peril, such as hurricane damage.

In Jeremy's case, since his home is undergoing repairs due to hurricane damage, his Homeowner's Policy would typically cover the hotel expenses he incurs during this period, provided that the policy includes ALE. This coverage is essential for ensuring that homeowners are not financially burdened when their primary living space is unavailable due to unavoidable events like natural disasters.

Other options are less suitable for this scenario. Excess Liability and Umbrella insurance primarily provide additional liability coverage beyond standard limits and would not address hotel expenses. Commercial Property Insurance relates to business properties and wouldn't apply here, as it is not designed to cover residential situations.