Loss of Use (Coverage D)

Pays extra living costs — hotel, meals, laundry — when a covered loss makes your home unlivable.

Loss of use — “Coverage D” — pays your extra living expenses when a covered loss makes your home temporarily unlivable.

If a fire forces you into a hotel while your house is rebuilt, this covers the added costs of daily life above what you’d normally spend — lodging, meals out, extra mileage, even pet boarding. It’s meant to keep your standard of living roughly the same while you’re displaced.

It’s an easy coverage to overlook until you need it, and it can be a lifeline during the months a major rebuild can take.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.