Coverage D (Loss of Use) answers the question: where do we live, and what does it cost, while the home is being fixed?

Additional living expense (ALE) pays the necessary increase in living costs so the household can keep its normal standard of living. Count only the increase: if the mortgage continues, the full temporary rent is new cost; if food costs go from $800 to $1,100 a month, ALE pays the $300 difference.

Fair rental value covers the part of the residence premises rented to others when a covered loss makes it unfit to live in, less expenses that do not continue, for the shortest time required to repair. It is a separate part of Coverage D from ALE.

California adds, for a state of emergency: ALE runs at least 24 months from the inception of the loss (Section 2060(b)(1)), and for a total loss the insurer must, on the insured's request, advance no less than four months of living expenses, with more payable on proper proof (Section 2061(a)(1)).