What type of coverage does Coverage D provide?

Coverage D is specifically designed to address situations where a homeowner cannot occupy their home due to a covered peril. This coverage falls under the category known as "Loss of Use" in homeowners insurance policies. It provides financial support for additional living expenses incurred while the policyholder's home is being repaired or rebuilt following damage from an event covered by the policy, such as fire or severe storm damage.

This may include costs such as hotel bills, restaurant meals, and other incidentals that are beyond the usual living expenses. By offering this type of protection, Coverage D ensures that homeowners can maintain a standard quality of life while they are displaced from their homes due to circumstances beyond their control.

The other coverage types mentioned do not relate to the loss of use of a residence. Personal liability claims, the structure of the home, and medical payments have distinct definitions and purposes within a homeowners insurance policy, which do not include compensating for living expenses incurred due to being unable to occupy the home.