Loss of Use Coverage (Coverage D)
Pays your additional living expenses (hotel, meals, etc.) if your home becomes unlivable after a covered loss.
Loss of Use coverage (Coverage D, sometimes called "Additional Living Expenses" or ALE) pays the extra costs you incur if a covered loss makes your home temporarily unlivable. Hotel costs, restaurant meals beyond your normal grocery budget, laundromat fees, pet boarding, and storage units all qualify.
The standard limit is typically 20-30% of your dwelling coverage, capped at the time it actually takes to repair or rebuild (often 12-24 months). Carriers usually don't require receipts for every $20 lunch, but they want to see receipts for hotels, rental homes, and major expenses.
After a major loss like a tornado or fire, Loss of Use is one of the most actively-used coverages — and one of the most fought-over at claim time. Carriers will sometimes try to limit you to a budget hotel when your family of four needs comparable space; push back and ask Geneva to escalate.
Renters and condo policies also include Loss of Use, which is critical because tenants typically have no other safety net if their building burns and they can't return for months.
Related terms:Dwelling Coverage (Coverage A)·Personal Property Coverage (Coverage C)
Related Geneva services:Home Insurance·Renters Insurance