Loss of use coverage is a compensation provided to policyholders for additional expenses when their insured property, such as a condominium or mobile home, becomes uninhabitable due to a covered event, such as property damage caused by hurricanes or vandalism. 

In those cases, policyholders may need to find temporary alternative accommodation, and this protection can help with the cost of renting temporary housing, hotel fees, meals, transportation, and other additional expenses incurred during the repair or reconstruction process.

It is important for insureds to carefully review the specific terms and conditions of their policy, including any notice of loss requirements, in order to fully understand the limits, exclusions, and benefits provided by the loss of use.