Coverage D (Loss of Use)
Insurance coverage that pays for additional living expenses if your home becomes uninhabitable due to a covered loss.
Detailed Explanation
Also known as Additional Living Expenses (ALE) coverage, this helps pay for hotel stays, restaurant meals, laundry costs, and other expenses that exceed your normal living costs while your home is being repaired or rebuilt.
Practical Example
When a tree fell on Tom's house during a storm, making it temporarily uninhabitable, his Coverage D paid for his family's hotel accommodations and increased food costs for the three months it took to repair their home.
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