Imagine waking up one morning to find that a fire, storm, or other disaster has made your home unlivable. No one wants to face this situation, but having the right home insurance policy can make all the difference. At Wil Plyler Insurance Agency in Rock Hill, SC, we understand how stressful these situations can be, and we want to help you secure temporary housing while your home is being repaired.

What Is Loss of Use Coverage?

Most standard home insurance policies include loss of use coverage, also known as additional living expenses (ALE) coverage. This part of the policy helps cover temporary housing costs if your home becomes uninhabitable due to a covered disaster.

What Expenses Are Covered?

Loss of use coverage typically pays for more than just a hotel stay. It can help with rent, meals, and even additional transportation expenses if you need to live farther from work or school. The key is that these costs must be necessary and reasonable, meaning your insurer will cover expenses that go beyond your usual living costs.

How Long Does Coverage Last?

The duration of your loss of use coverage depends on your policy. Some policies have a time limit, while others provide coverage up to a certain dollar amount. Reviewing your policy details is important so you understand how long you’ll be covered if disaster strikes.

Get the Right Coverage Today

Don’t wait until disaster strikes to find out what your policy covers. Contact Wil Plyler Insurance Agency in Rock Hill, SC today to ensure you and your family are protected, no matter what comes your way.