The Loss of Use section of your Lemonade homeowners or renters policy can help out with costs if your place becomes unlivable due to certain specific circumstances (what we call ‘named perils’).
Here’s the tough news: Power outages, without other physical damage to the building itself, aren’t covered as part of your policy. Such outages are common in the U.S. due to all sorts of bad or inclement weather, and renters and home policies have limited coverage unless there is actual damage to your home.