Does Renters Insurance Cover Displacement? 
In California the standard HO-4 -LRB- tenant 's policy -RRB- provides coverage D which provides additional living costs . This coverage is designed to pay the additional amount a renter would have to pay to maintain a `` normal standard of living '' when forced to leave the premises because of a covered loss . If you are paying $ 1500 per month rent and because of fire damage you must vacate while repairs are being made , and a comparable building is available and the rent is $ 2000 per month , the difference would be considered the additional amount you required to maintain your normal standard of living . 