Does Homeowners Insurance Cover Loss Of Use? 
Most homeowners policies provide some form of coverage for the `` additional '' costs a family incurs should their home be damaged by a covered loss and not fit for occupancy . I would n't call it `` Loss of Use '' but it 's fairly close . The coverage limit is usually a separate amount of insurance and is based on a percentage of the amount of insurance you carry on your home , 20 % or more is common . 