What Does Loss Of Use Mean In Home Insurance? 
The term loss of use is probably referring to Coverage D on the standard Homeowners policy . This provides that if your home is damaged as a result of one of the named perils -LRB- fire , lightning etc. -RRB- the company will pay the necessary and reasonable increase in living expenses that you incur to maintain the normal standard of living for your household . This would apply if the premises are unfit for use . The company may choose to settle you in new quarters . 