In homeowners insurance, which coverage would include temporary housing for the insured after a loss?

The coverage that includes temporary housing for the insured after a loss is referred to as additional living expenses coverage. This type of coverage is crucial for policyholders who may find their homes uninhabitable due to a covered incident, such as a fire or severe storm damage.

This coverage helps to pay for expenses incurred when the insured must live elsewhere while their home is being repaired or restored. It can cover costs such as hotel stays, restaurant meals, and other necessary living expenses that exceed the insured’s typical living costs. Essentially, it ensures that the policyholder does not face financial hardship while waiting for their home to be safe for habitation again.

While loss of use coverage might sound similar, it is a broader term often used interchangeably with additional living expenses. However, specific definitions can vary, and in the context of this question, additional living expenses coverage is explicitly designed to cover temporary housing and living expenses. Other types of coverage mentioned, such as personal property and liability coverage, do not address living arrangements following a loss, which makes them irrelevant in this scenario.