Homeowners Policy (HO)Question 288 of 474

Under a Homeowners policy, which coverage provides additional living expense when a covered loss makes the home temporarily uninhabitable?

a.Coverage D – Loss of Use
b.Coverage E – Personal Liability
c.Coverage A – Dwelling
d.Coverage F – Medical Payments to Others

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.

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