Loss of use coverage
Updated for plan year 2026
In plain terms
Loss of use coverage (Coverage D) pays your additional living expenses (hotel or temporary rent, meals above normal, and similar costs) when a covered loss makes your home uninhabitable. On a renters policy it is usually set as a percentage of your personal-property limit, so it scales when you size that limit correctly.
A plain example
A kitchen fire forces you out of your apartment for two months of repairs. Loss of use pays the difference between your temporary hotel or rental cost and what you normally spend to live.
Why it matters
Being displaced is expensive, and this coverage keeps a disaster from becoming a second financial hit. Because it's tied to your property limit, getting that number right protects this one too.