A home is considered to be uninhabitable on a case-by-case basis. Your policy may provide for additional living expenses if your home is uninhabitable due to a covered loss. Ask your agent or claims team member if your policy covers this.
Coverage for additional living expenses is for the reasonable increase in living expenses necessary to maintain your normal standard of living.
The coverage may help reimburse you for increased living expenses such as:
- Hotels or temporary housing, based on your current standard of living.
- Food and restaurant bills.
- Additional mileage for driving farther to work.
Lost income as a result of a major weather event is not usually covered by your policy. Coverage for Additional Living Expenses will depend on your individual circumstances and is subject to the terms, conditions, exclusions and limitations under your policy.