If damage to your home is covered by your policy, and you must leave it while it’s being repaired, where would you stay? Would the cost of a hotel or temporary apartment fit into your budget? Having loss of use coverage included in your homeowners insurance policy can help.
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https://youtube.com/watch?v=duXj4nsomPg%3Frel%3D0
https://www.travelers.com/home-insurance/coverage/loss-of-use