Loss of use coverage is a part of a homeowners insurance policy that helps pay for additional living expenses when a covered loss makes the home temporarily uninhabitable. Instead of repairing physical damage, this coverage focuses on helping homeowners maintain a normal standard of living while repairs are being made.
Many homeowners assume loss of use coverage automatically applies whenever damage occurs, but coverage is only triggered under specific conditions. Limits, time restrictions, and eligible expenses can vary widely by policy, and misunderstandings often lead to denied or reduced claims.
This section explains loss of use coverage in plain English, including when it applies, what expenses are typically covered, how limits are calculated, and where common gaps exist. These guides are designed to help homeowners understand how financial support works during displacement before a loss happens.
Articles in This Section
• What Is Loss of Use Coverage in Homeowners Insurance
• When Loss of Use Coverage Applies
• What Expenses Are Covered Under Loss of Use Coverage
• What Loss of Use Coverage Does Not Pay For
• How Loss of Use Coverage Limits Are Determined
• How Long Loss of Use Coverage Lasts
• Temporary Housing and Loss of Use Coverage
• Hotel Stays and Short-Term Rentals Under Loss of Use Coverage
• Food and Meal Expenses Covered by Loss of Use Insurance
• Transportation and Commuting Costs Under Loss of Use Coverage
• Pet Boarding and Loss of Use Coverage
• Loss of Use Coverage for Families With Children
• Loss of Use Coverage During Partial Home Damage
• Loss of Use Coverage After Major Disasters
• How Loss of Use Coverage Applies to Condos and Townhomes
• Common Loss of Use Coverage Exclusions
• Loss of Use Coverage Gaps Homeowners Miss
• How to Document Loss of Use Expenses
• How Loss of Use Claims Affect Future Insurance Costs
• When to Review or Increase Loss of Use Coverage
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