What is the focus of Coverage D in a property insurance policy?

Coverage D in a property insurance policy specifically addresses Additional Living Expenses (ALE). This coverage is designed to provide financial assistance to policyholders in the event that their home becomes uninhabitable due to a covered peril. It covers the extra costs of living outside of the home while repairs are made, including hotel bills, restaurant meals, and other expenses that exceed the normal living costs. This ensures that the policyholder is not financially burdened while their residence is being restored.

The focus on Additional Living Expenses is crucial for homeowners, as it allows them to maintain a standard of living even in the unfortunate circumstance of displacement. This aspect of property insurance is important for providing peace of mind and financial security during a potentially stressful and disruptive time.