Typically, if your home is undamaged but you still can’t access it because of a government mandate or a civil authority, this coverage won’t kick in. To draw on your loss of use coverage, your home must be made uninhabitable by a peril your home insurance policy covers, such as: It also won’t pay for additional living expenses when your home is made uninhabitable by an event your home insurance policy doesn’t cover, like earthquakes. Loss of rental income beyond the period it takes to repair or rebuild your home.Loss of use coverage typically won’t pay for: What Doesn’t Loss of Use Insurance Cover? Relocation costs of your personal belongingsĪgain, these expenses can be covered only up to the limits of your policy and only for the duration your policy states (usually 12 months). Grocery or restaurant bills spent in addition to your regular level of expenditure.Temporary accommodation, for example a hotel, apartment or motel.This portion of your home insurance policy can usually pay for: Loss of use coverage is usually available for 12 months or how long it takes to make your dwelling inhabitable – whichever comes first. Coverage D in your home insurance policy can pay for additional living expenses, such as the cost of: So say your home is damaged by a fire, and you can’t live there while repairs are underway. That’s similar to what happens when you are forced to stay away from home while it’s being repaired. If your trip was long enough, you likely had to handle other necessities, like going to the laundromat, etc. Chances are you had to line up a place to stay and pay to eat at restaurants or order takeout. Think about the last time you stayed away from home. Loss of use insurance can help pay for the additional living expenses you take on when a covered home insurance claim makes your home uninhabitable.
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