A rented dwelling is unlivable for three months after a covered fire. The rent was $1,800 a month, and $200 a month of expenses stop while it is empty. Fair rental value pays:

Giải thích

Fair rental value pays the rent the dwelling would have earned less the expenses that do not continue while it stands empty: $1,800 minus $200 is $1,600 a month, and three months of that is $4,800. Paying the full $5,400 ignores the saved expenses and hands the owner more than the actual loss. The coverage runs for the time reasonably required to repair.