What Does Loss Of Use Mean For Homeowners Insurance? 
`` Loss of Use '' coverage in a Homeowners ' policy provides coverage for you and your family in the event that your home is severely enough damaged by a covered peril that you can no longer reside in your home . The coverage provides money to pay for extra expenses over and above your normal living expenses . The cost to rent an alternative home , extra food or travel related expenses , laundry expenses are all examples of the things this policy item can cover . Talk to your Insurance Professional about the details of your policy . 