What Does Loss Of Use Mean For Homeowners Insurance? 
Often referred to as COVERAGE D , Loss of Use is coverage on your homeowners insurance that covers the cost of losing the use of your home . For example , a fire in your home has caused significant fire & smoke damage , making the house unlivable until repairs are complete . You would need to temporarily move out - maybe to a Residence Inn or hotel . The cost for food , hotel , etc would be covered under loss of use.Most policies have some limit beside COVERAGE D , butif your policy indicates `` ALS '' , which is Actual Loss Sustained , this is the broadest coverage . 