Speaking of loss of use coverage, it could be triggered in a volcanic eruption claim even if you don't directly suffer damage. (effectivecoverage.com)
If there's a covered loss, you also have coverage for loss of use of your apartment. (effectivecoverage.com)
Your renters insurance provides for loss of use coverage if a covered loss damages the dwelling and you can't use it, and that's the extent of what you need. (effectivecoverage.com)