What Is Loss Of Use In Home Insurance? 
`` Loss of Use '' coverage in a Homeowners ' Policy provides benefits that pay for additional living expenses that you and your family may have if you are forced to leave your home after it was damaged due to a covered loss . Some examples of these expenses may be the cost of a hotel stay or short term rental , perhaps the costs associated with eating out , laundry etc. . There will more than likely be certain limitations , so it is always best to talk to your Insurance Professional about the specific terms and conditions of your policy . 