What is a key feature of Coverage D and E in a dwelling policy?

Coverage D and E in a dwelling policy specifically address the concept of indirect damages, or additional living expenses and loss of use. Coverage D, also known as Loss of Use, provides financial support when a dwelling becomes uninhabitable due to a covered loss, such as a fire. This coverage helps pay for living expenses incurred while the dwelling is being repaired or rebuilt. Coverage E provides similar benefits for additional living expenses, ensuring that the policyholder can maintain a standard of living comparable to what they had before the loss.

This distinction is crucial because while other types of coverage may address physical damage or specific incidents, Coverage D and E focus on the financial implications of being displaced from one's home or facing additional costs due to an insured event. Understanding this feature is vital for recognizing how dwelling policies can assist insured individuals beyond just replacing or repairing physical property.