Loss of Use Coverage
Home Insurance Add-On
Loss of use coverage helps pay for temporary living expenses if your home becomes uninhabitable after a covered loss.*
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What is loss of use coverage?
Loss of use (Coverage D) is a part of standard home insurance policies. It helps pay for additional living expenses, such as a hotel, if a covered event damages your home, making it unfit to live in while repairs are made.*
How Loss of Use Coverage Protects You
Additional living expense coverage helps protect you from unexpected losses to keep your dreams on track.
Learn more from the following examples.
Learn more from the following examples.
Did you know?
If you file a claim, you can confirm which additional living expenses qualify for reimbursement. Then keep detailed records of those expenses.
Temporary Housing**
You had a kitchen fire and must move out while the damages are repaired. Your homeowners insurance policy’s additional living expense coverage helps pay for your hotel stay.
Increased Transportation Costs**
Your daily commute from your new temporary residence has increased by 4 miles. The loss of use portion of your homeowners insurance helps pay for the added mileage.
Added Food Costs**
Your monthly grocery bill has doubled now that you’re staying in a hotel while your home is restored. Your homeowners insurance policy’s loss of use coverage helps reimburse you for the increase.
Increased Utilities**
Your temporary rental isn’t equipped with energy-efficient appliances, and your electric bill is higher than usual. Your home insurance policy’s additional living expense coverage mitigates the added cost.
New Parking Fees**
You temporarily moved into a hotel with a daily parking fee of $10. Your homeowners insurance policy’s loss of use coverage helps reimburse you for the charges.
Pet Boarding Costs**
Your short-term rental doesn’t allow pets, so you must board your dog while your home is repaired. The additional living expense coverage in your home insurance policy helps cover the charges.
Frequently Asked Questions
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*Provides assistance up to your coverage limits. Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.
**The information on these web pages represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions
**The information on these web pages represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions