Dwelling Policy (DP)Question 270 of 474
Coverage E on a dwelling policy responds when:
a.A tenant stops paying rent after a covered fire loss
b.The insured decides to remodel a kitchen and move out
c.A covered loss destroys furniture the insured owned
d.A covered loss makes the insured's home unlivable
Explanation
Additional living expense pays the increase in the insured household's own cost of living while the damaged home is unfit to live in, covering items such as temporary lodging and higher meal costs. Lost rent belongs to fair rental value, destroyed furniture is a contents claim, and a voluntary remodel is not a covered loss at all.
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Related questions on this topic
- Which item would NOT be covered as personal property under a dwelling policy?
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- Coverage D on a dwelling policy pays the owner for:
- An owner lives in half of a duplex and rents out the other half. A covered fire makes both halves unlivable. The correct treatment is:
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