Many homeowners insurance policies cover temporary living expenses, which is also known as loss-of-use coverage or Coverage D. It kicks in if your home is uninhabitable due to damages.
However, it is important to check with your insurance provider to see what is covered under your policy. Some insurers only cover certain types of damages, such as fire or weather-related damages. As a result, it is important to be familiar with the details of your homeowners insurance policy.