What loss of use coverage pays for

If your rental becomes unlivable after a covered event, loss of use coverage is what pays for somewhere to stay.

By the InsuranU team Updated July 20263 min read

Loss of use is an often-overlooked part of renters insurance that matters a lot if U ever need it.

What it typically covers

It applies after a covered event, like a fire or certain water damage, makes your rental temporarily uninhabitable.

Most policies cap loss of use at a percentage of your personal property coverage, and for a limited time period.

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Is there a time limit on loss of use payments?

Yes, typically capped at a set duration or dollar amount stated in your policy.

Does it cover any reason I cannot stay in my rental?

No, only covered events like fire or certain types of water damage, not things like a landlord dispute.

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