Loss of Use Coverage (Coverage D)
Insurance Glossary
The part of a homeowners policy that pays added living costs when a covered loss makes the home unfit to live in, such as hotel bills and restaurant meals. It reimburses the difference between normal household expenses and the higher costs during repairs, not the entire bill. Also called additional living expense, it is usually limited to a percentage of the dwelling limit, to a set number of months, or to both.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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