As you can see in some of the subsections above there are different limits to how long the reimbursements under loss of use coverage will pay out. Prohibited use is two weeks or less, and fair rental value is twelve months or less. Under a standard claim that involves additional living expenses, there is no time limit cap for how long the benefits will pay out. The important thing to keep in mind is that the maximum coverage limit stated in the policy may be reached before the time limits have been reached. For example, if a claim occurs that involves $500 of additional living expenses each month and the maximum coverage limit is $2,000, the maximum coverage limit will be reached in four months and cease to pay beyond that. The repairs may also be completed prior to any coverage or time limit being reached. The policy will cease to reimburse a homeowner once repairs have been completed.