Fair rental value coverage in the dwelling policy is similar to which homeowners policy form?

Fair rental value coverage in a dwelling policy is designed to cover the loss of rental income that a property owner would normally receive if the property becomes uninhabitable due to a covered loss. This coverage is similar to the "loss of use" provision found in homeowners policies.

The "loss of use" coverage protects homeowners when they are unable to live in their homes due to a covered peril, compensating them for additional living expenses incurred while they find temporary accommodations. Both fair rental value coverage and loss of use provisions address financial losses that occur due to the inability to use a property because of damage from a covered event.

In contrast, personal liability coverage mainly protects against claims for bodily injury or property damage to others, additional living expenses typically refer to costs incurred for temporary living arrangements beyond what the fair rental value might cover, and comprehensive coverage generally refers to broader protection beyond specific perils, rather than focusing on rental or living situations. Therefore, the alignment of fair rental value coverage with the loss of use provision makes it the most appropriate comparison.