Homeowners Policy (HO)Question 108 of 474
Coverage D on a homeowners policy primarily reimburses the insured for which of the following?
a.Damage to detached garages, fences, and other structures on the residence premises
b.Bodily injury to a visitor
c.The cost to rebuild the dwelling itself at replacement cost after a covered fire
d.Additional living expenses while the home is uninhabitable
Explanation
Coverage D is the Loss of Use coverage. It pays additional living expense, fair rental value, and limited civil-authority benefits when a covered Section I loss makes the residence unfit to live in. It reimburses only the increase above the household's normal cost of living.
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