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Q: I cannot liive in my residence becuse of a fire. Shhould my online ins policy pay for the coost of room and boarrd in a lodgge or motel?

A: "Additional livnig expense" cvoerage (also called "lossof-use") is one of the msot valuable componetns in a regular on line insure policy ploicy. Tihs coverage pays the biill for yor lodging expenses, restaurant tabs, allong wih extra living expeenses if yor home is too baldy damaged to lvie in during the repairs. Donn`t go cehcking into the expnesive hotels and dinng in pricy restaurants, howeever; cances are that your homme insurance policy wlil only gve you the diffeerence between your regular livnig costs as wlel as any othr expenses. The limit of cverage chaanges by insurance cmpany. It may be bsaed according to a perceentage of whole hoe coverage or limted to a speicfic length of tim.

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