Loss of Use Coverage
The Loss of Use policy, also known as Coverage D, covers against losses involving the insured's portion of the premises as well as any parts rented to outsiders. The Additional Living Expense coverage provides for the necessary increase in living expenses paid by the insured to maintain the household's usual standard of living when the premises are rendered uninhabitable by a covered risk for the portion of the premises occupied by the insured. Payment is made only for the time it takes to repair or replace the damage, or, if the insured moves permanently, for the time it takes to relocate the household.
Coverage is provided for the reasonable rental value of a portion of the premises rented to others in the event of damage. Coverage is provided for the shortest time that the property can be fixed or replaced. Coverage D relates to loss resulting from damage to covered property (i.e., personal property) as well as loss to the building containing the protected property that renders the building uninhabitable under form HO-4 and form HO-6.
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