LAWS VARY BY STATE
Check your state's consumer protection division or your district attorney or state's attorney general's office.
Here in MA, if the tenant has to relocate (terminate residence), then the landlord IS responsible for those costs.
If it is a temporary relocation NOT due to the tenant's actions, the landlord IS responsible for the cost of the accommodations, within reason. In other words, the tenant can't get a suite at the Ritz hotel when a room at Motel 8 would suffice.
Any damages to the tenant's belongings is NOT a responsibility of the landlord. IF the landlord's actions caused the damage, then the tenant can try to sue in court. But insurance will not get involved.