PLPennsylvaniamedium
A PA HO-3 insured's home is uninhabitable after a covered fire. What does Coverage D — Loss of Use pay?
AFull replacement cost of the dwelling
BLost wages of the insured while displaced from the residence, including salary, commissions, and self-employment income
CMortgage payments during repair
Additional living expenses and fair rental value above normal living costs, for a reasonable time
Why this is the answer
Coverage D — Loss of Use reimburses the increase over normal living expenses (hotel, restaurant meals, laundry) and any lost fair rental value, capped by the policy limit and the reasonable time to repair or restore.
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