Loss of Use (Coverage D)
Coverage for additional living expenses (hotel, meals, storage) while your home is uninhabitable due to a covered loss.
Quick answer
Loss of Use (Coverage D): Coverage for additional living expenses (hotel, meals, storage) while your home is uninhabitable due to a covered loss. Typical cost: Usually 20–30% of dwelling limit; can be increased..
Why it matters
After a major fire or flood, rebuild can take 6–18 months; this coverage often runs out before the home is finished.
Typical cost
Usually 20–30% of dwelling limit; can be increased.
Pros
- • Covers hotels, meals, pet boarding, extra commute costs
Cons
- • Time-limited (often 12 months)
- • Strict documentation required
Common uses
- • Major fire, hurricane, or flood displacement
Alternatives
Increase limit endorsement
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Frequently asked questions
- Can I rent a comparable home with Loss of Use?
- Yes — the standard is the lesser of comparable rent or your actual increased living expenses.
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