What is What Is Loss of Use Coverage?
Loss of use coverage — also called Additional Living Expense — pays for temporary housing, meals and increased costs while your home is uninhabitable due to a covered claim, typically for 12 to 24 months.
Practical Example
When a U.S. consumer researches loss of use coverage, understanding the mechanics up front helps them compare providers, avoid hidden fees and choose the option that best fits their budget and long-term goals.
Why It Matters
Getting loss of use coverage right can save households hundreds to thousands of dollars each year and prevents disputes that end up in state regulator complaints or court.
Frequently Asked Questions
Because it affects the price you pay, the protections you keep and the options you have — details that shift with each new regulatory cycle.