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Adding Loss of Use Coverage to Your Renters Policy

At Oak Ridge Insurance Services, we try to educate our clients on the insurance choices they can make to protect their Oak Ridge, NC, homes and belongings. We’ve previously mentioned the loss of use coverage in our blogs, but today, we’ll explore what this crucial optional coverage provides.

Loss of Use in a Renters Insurance Policy

Adding loss of use (LOU) coverage to a renter’s policy adds coverage that pays for extra financial costs if the home you rent incurs damage from a covered hazard that precludes you from living there temporarily. Loss of use provides payments for the cost of a hotel, motel, or other temporary domicile while the home you rent gets repaired. It also offers a per diem or a flat rate for food that covers the added expense of dining out. Some loss of use coverage also provides money for:

  • Moving costs
  • Storage costs
  • Laundry expenses
  • Boarding your pet(s)
  • Added parking and gas expenses.

LOU only covers additional costs you incur while not living in your home.


Consumers sometimes confuse LOU with additional living expenses (ALE). ALE typically covers any reason the home becomes unusable, such as a house fire, and provides more extended coverage.

Adding LOU to Your Renters Insurance

Your landlord probably does a lot to protect your Oak Ridge, NC, home, but you protect your finances and personal property with a renters’ policy. Contact Oak Ridge Insurance Services today to add loss of use coverage to your renter’s policy. Let us help you customize your renters’ insurance, so your policy provides you with the necessary coverage.

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