Alternative accommodation cover is a part of your policy that comes into play if your property suddenly becomes uninhabitable as a result of an issue such as flooding, fire, subsidence or damage caused by a storm.
It means that your policy provider will help find you alternative accommodation and pay costs, so you're not left homeless while the problem is sorted out.
Some home or building insurance policies include alternative accommodation cover, while in other cases you'll need to have it added separately.
It's always worth checking to make sure you have it just in case you ever need it.
If you own property that you rent out to tenants on a short-term, long-term or holiday home basis, it's worth checking if your landlord insurance policy covers alternative accommodation.
Depending on what contract you have with your tenants, you may be required to provide alternative living arrangements in the event of emergency. So without an insurance policy, it could be costly.
What's defined as uninhabitable conditions?
For a home to be classed as having uninhabitable conditions it usually means that it's either structurally damaged or it's lacking the essentials needed for daily living, such as:
Heating (especially in the winter)
Sanitary facilities, such as toilets, showers or baths