winter storms, trip insurance

[Antonio Bird]

We have owned a STR in Sevierville for the last couple of years. We recently had guests who were snowed in, with power out for most of their stay. We of course gave them a full refund. My question is this--if a winter storm made it impossible to access our STR, would trip insurance generally cover that? We already encourage renters to buy trip insurance, but have not steered them toward any particular policy in the airbnb platform. VRBO recommends Generali insurance and it is not immediately clear to me whether their policies would cover this. Basically, we would like to shift the risk in the same way we would with cancellation due to illness. Is this something you all have dealt with or thought about? Any input would be much appreciated. Thanks!