Your policy will provide a benefit if your home is made uninhabitable by an insured peril such as loss or damage caused by storm, flood, road vehicles or a fallen tree. The benefit amount will vary, but usually, it will cover the costs of temporary alternative accommodation whilst the home is being repaired or replaced. In some cases, where the home has suffered extensive damage, you could be away from home for many, many months; likewise, if the home has been damaged beyond repair, it could take many months to secure a replacement.