Loss of use coverage, also called additional living expense, can help pay for temporary housing and related costs when a covered claim makes your home uninhabitable. Typical examples include hotel stays, short-term rentals, and added meal costs.
Coverage is usually subject to limits, time constraints, and policy wording. It pays the extra amount above your normal living expenses, not every expense in full. Keeping receipts and documenting timelines is important during recovery.
For landlords, a related concept may be called loss of rents or fair rental value. It can help replace rent income when a covered loss prevents occupancy while repairs are underway.
Because forms vary by carrier, independent agencies are useful when comparing this section of a policy. Redman can walk through how limits apply before an emergency happens.