Under a Homeowners policy, which coverage provides additional living expense when a covered loss makes the home temporarily uninhabitable?
Explanation
Coverage D (Loss of Use) pays additional living expenses, the reasonable extra costs of maintaining a normal standard of living, when a covered loss makes the residence uninhabitable, such as hotel and increased meal costs. Coverage A insures the dwelling structure, while Coverages E and F are the Section II liability coverages. Loss of use addresses the insured's indirect costs, not the physical damage.
This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
Practice all 474 questions free — no signup required.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Related questions on this topic
- The most commonly purchased Homeowners form, which covers the dwelling on an open-perils basis and personal property on a named-perils basis, is the:
- A tenant who rents an apartment and wants to insure personal belongings and obtain personal liability coverage should purchase:
- A condominium unit owner who needs to insure the interior of the unit and personal property should buy:
- Coverage F (Medical Payments to Others) under a Homeowners policy pays medical expenses for an injured guest:
- Under a Homeowners policy, categories such as jewelry, watches, and firearms are subject to:
- The HO-8 modified Homeowners form is intended for:
Last reviewed: · editorial process