In the event of substantial damage to your home resulting from unforeseen incidents such as lightning, fire, or a storm, there's a chance that you may be unable to reside in your home until repairs or reconstruction are completed. This circumstance could incur additional expenses for accommodations, meals, and other daily necessities.
Ensure that your homeowners insurance policy incorporates additional living expense or loss of use coverage. This coverage is vital as it reimburses you for reasonable housing and living expenses if a covered event renders your house temporarily uninhabitable during the process of repairs or reconstruction.
Note: Actual policies must be consulted for specific terms and conditions.