> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Loss of use

> What loss of use coverage (Coverage D / ALE) on a homeowners policy pays for, including hotel, rental, and food costs while your home is being repaired.

**Loss of use** coverage (also called additional living expenses) pays temporary housing and related costs when your home is uninhabitable after a covered claim.

On renters insurance, loss of use can pay for a hotel while your apartment is repaired.

## Related terms

* [Additional living expenses](/learn/additional-living-expenses)
* [Renters insurance](/learn/renters-insurance)
* [Homeowners insurance](/learn/homeowners-insurance)

## Further reading

* [NAIC — Consumer insurance resources](https://content.naic.org/consumer)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=loss-of-use)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=loss-of-use)


## Related topics

- [Additional living expenses](/learn/additional-living-expenses.md)
- [Renters insurance](/learn/renters-insurance.md)