🏠 Loss of Use
What It Does:
This coverage helps pay for your living expenses if your home becomes unlivable due to a covered loss (like fire, storm damage, or a burst pipe) and you have to temporarily move out.
✅ What’s Covered
- Hotel or rental costs while your home is being repaired
- Meal expenses (if you can’t cook at home)
- Transportation costs (if you’re living farther away from work/school)
- Laundry or storage fees, if necessary
🚫 What’s Not Covered
- Damage not covered by your home insurance
- Voluntary evacuations or upgrades
- Expenses beyond your normal living costs (e.g., luxury hotel upgrades)
💡 Real-Life Example
A fire damages your kitchen, making your home unsafe to live in. While repairs are underway, Loss of Use coverage pays for your hotel stay, restaurant meals, and temporary laundry services.
💵 Coverage Limit:
- Up to 12 months with basic plans
- Up to 24 months with Plus and Select packages