In the standard policy, your policy will also offer coverage for the additional living expenses incurred following a covered loss while you're waiting on repairs to your apartment.
Loss of use coverage pays for your additional living expenses in the event that there's a covered loss that keeps you from being able to use the residence premises.
Not only do you have coverage for the property that's lost as a result of that fire, but you're also covered for your additional living expenses such as a hotel.
That's what loss of use coverage is for — it pays for those additional living expenses so you can maintain your standard of living even after a significant loss.
If a civil authority prohibits your use of the residence because of direct damage to a neighboring premise by a peril insured against, coverage is available for additional living expenses.
In the standard policy, your policy will also offer coverage for the additional living expenses incurred following a covered loss while you're waiting on repairs to your apartment.
In addition, you'll have loss of use for additional living expenses after a covered loss as well as medical payments to others for minor injuries suffered by guests.
Not only do you have coverage for the property that's lost as a result of that fire, but you're also covered for your additional living expenses such as a hotel.
They also almost invariably require you to live somewhere else, and the covered loss triggers coverage for those additional living expenses as well as for the personal property that's damaged.
Your personal property is not protected, you're not covered for liability, and you're not covered for additional living expenses by your landlord's insurance or your landlord.