The short answer
Coverage D (Additional Living Expense / Loss of Use) pays the difference between your normal cost of living and the increased cost while displaced — hotel, meals out, storage, pet boarding, extra commuting. Standard limit 20–30% of Coverage A, typically 12-month time cap. Rentals need HO-4 loss of use, usually 40% of contents limit.
Frequently asked
- Does it cover mortgage payments?
- No — you still owe the mortgage. ALE covers the extra costs on top.
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