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On a standard New York HO-3 policy, Coverage D (Loss of Use / Additional Living Expense) is typically expressed as what percentage of the Coverage A dwelling limit?

Q: On a standard New York HO-3 policy, Coverage D (Loss of Use / Additional Living Expense) is typically expressed as what percentage of the Coverage A dwelling limit?

30% of Coverage A — New York homeowners forms, which follow the ISO homeowners program filed with DFS, carry standardized internal ratios. Coverage A is the stated dwelling limit; Coverage B (other structures) is typically 10%; Coverage C (personal property) is typically 50%-70%; Coverage D (loss of use, including ALE and fair rental value) is typically 30% of Coverage A. These are starting points — insureds can buy increased limits by endorsement, and HO-5 contracts often default to higher Coverage C ratios.

A5% of Coverage A

30% of Coverage A

C10% of Coverage A

D100% of Coverage A

Why this is the answer

New York homeowners forms, which follow the ISO homeowners program filed with DFS, carry standardized internal ratios. Coverage A is the stated dwelling limit; Coverage B (other structures) is typically 10%; Coverage C (personal property) is typically 50%-70%; Coverage D (loss of use, including ALE and fair rental value) is typically 30% of Coverage A. These are starting points — insureds can buy increased limits by endorsement, and HO-5 contracts often default to higher Coverage C ratios.

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