Loss of Use / Additional Living Expenses
If a covered loss makes your home unlivable, loss of use coverage pays your additional living expenses while it's being repaired — typically 20% of dwelling coverage.
The specifics.
Hotel stays, temporary rentals, restaurant meals above your normal grocery budget, laundry, and other additional expenses caused by displacement.
Real-world impact.
After major storms, temporary housing in Houston can run $3,000–$8,000/month. Loss of use is what keeps you from paying rent AND mortgage while your home is rebuilt.
Other coverages inside your home insurance policy.
Dwelling Coverage
Pays to rebuild your home after a covered loss.
Learn morePersonal Property Coverage
Covers your belongings — furniture, electronics, clothing, and more.
Learn morePersonal Liability
Protects you if someone is injured on your property or you damage others' property.
Learn moreWindstorm & Hail Coverage
Coverage for named-storm and hail damage — critical in Texas.
Learn moreFlood Endorsement
Standard homeowners does NOT cover flood — you need a separate policy.
Learn more
Get loss of use / additional living expenses added to your policy today.
We'll compare rates across 15+ top-rated Texas carriers and get you a real quote within one business day.