Coverage D - Loss of Use Coverage
Finding your way back home
Maintain your every-day standard of living while your home is being repaired or rebuilt. Our partner carriers offer this important coverage.
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Protection for your additional expenses
Here's What's Covered
Coverage D (loss of use) pays for additional living expenses if your home becomes uninhabitable due to a covered loss. This coverage may include hotel bills, meals, and other living expenses while your home is being repaired. For example, if you must stay in a hotel for several weeks after a house fire, Coverage D may cover these costs, up to your policy's limit.
How Much Coverage Do I Need?
Coverage limits for loss-of-use are typically set at 10% of your Coverage A (dwelling) limit on your homeowners insurance policy or 20% of Coverage C of your condo insurance policy. This should be evaluated based on your family's needs and local rental market rates amongst other factors.
You've got questions. We've got answers
Frequently Asked Questions
Homeowners coverage may seem complicated. Each portion of your policy (coverages A - F, L & M) offers coverage for the unique features of your home. Find out more about what each section of your homeowners insurance policy covers, by reviewing our frequently asked questions or ask your agent.
Everything you need to know in one place
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Contact Us
Insuring your home is one of the most important decisions you may make. Visit our carrier partner's pages to learn more about how they can meet your individual homeowners insurance needs and easily get a quote. Select one of our carrier partners below or call your agent today.