Heidi, who has renters insurance in Raleigh, NC , wrote us with a common question,
When I read my renters insurance declarations page, I found myself asking what is loss of use coverage on renters insurance. Can you help?
That’s an easy question to answer, so let’s dive right in.
What Is Loss Of Use Coverage On Renters Insurance?
What Is Loss Of Use Coverage On Renters Insurance?
Loss of use coverage is also known as additional living expenses coverage. What is additional living expenses coverage on renters insurance? Why is it so important? What can it do for me? Read on to find out why 100% of Americans surveyed after a loss say they wish they had had renters insurance with loss of use coverage!
See the gentleman in the image above? He’s sitting at a hotel after an apartment fire, wondering how he’s going to afford the hotel, the meals out, and all of the other extra expenses that come with not being able to use his apartment for months because someone else started a fire. He’s spending the deposit he had planned for a new place in a few months on the hotel, and after that’s gone, he has no idea what he’ll do.
Loss of use coverage on renters insurance holds the answer to all his questions. It’s also called additional living expense coverage, and it’s designed to make sure that all the additional costs associated with the inability to use your residence are covered.
Loss of use coverage on renters insurance can include things like a hotel stay, meals that you eat out but normally would cook at home, even replacement of immediately essential personal items.

What Is Loss Of Use Coverage On Renters Insurance?
There is a caveat here, however. It’s important to remember that loss of use coverage is triggered by a covered loss. In order to avail yourself of learning what is loss of use coverage on renters insurance, you must have an otherwise covered loss such as a fire or a break-in that prevents you from living in the residence for a period of time. Without that covered loss, loss of use coverage can’t kick in.
Now you know all about what is loss of use on renters insurance. How does your policy stack up? Call Effective Coverage at (800) 892-4308 or click above for a free instant online renters insurance quote to find out!