In Gregory Packaging, Inc. v. Travelers Prop. Watch out:

It is an insurance policy best suited for a residential property typically rented to others. For example, you usually spend $300 per month for groceries. , 2014 WL 6675934, at *3 (D.N.J. A Dwelling Fire (DP-3) policy is similar to a Homeowners policy. Loss of use coverage kicks in when you can't live at home due to a problem the homeowners policy is paying for, like repairs after a large fire. The overall limit for coverage is 50% of the dwelling limit. That means if your home is insured for $400,000, your additional living expenses coverage will typically be anywhere from $80,000 to $120,000. A typical Loss of Use portion of an insurance policy sets the cap at 20 percent of the total policy value. Loss of use coverage (sometimes called additional living expense coverage) isn't as well-known as property or structural coverage, but it can be extremely valuable. Loss of Use Coverage. Your loss of use coverage limit is typically about 20% to 30% of your home’s insured value, or your dwelling amount. Often, your loss of use coverage limit will be based on a percentage of your dwelling insurance. This is subject to coverage terms and limits. The policy covers losses to the building’s structure, loss of use or rental Income, and customarily personal liability (this is an optional coverage). The DP3 is popular because it is an Open Peril policy that covers losses to the building’s structure, "loss of use'"or rental coverage… Loss of use coverage can also protect your income by providing coverage for the fair rental value of the property if it is not fit to live in while your property is being repaired as a result of a covered loss. Coverage C can be modified in several ways with endorsements. For example, if you have $200,000 of dwelling coverage, the cap on your Loss of Use … Other coverages in your policy typically help protect against those types of losses. The dwelling coverage in a homeowners insurance policy, for example, may help pay to repair physical damage to your home caused by a covered peril, like a fire or windstorm. Instead you would use a Dwelling Fire Policy to properly protect your interests. The most popular Dwelling Fire policy is known as the DP3. Loss of use coverage. Co. of Am. Should your home be uninhabitable after a fire or another covered disaster, your policy’s loss of use coverage may cover the costs of temporary housing and other additional living expenses while your home is being repaired or rebuilt. Loss of use coverage is typically 20% of your home’s dwelling coverage limit. Let’s say your limit is 20% and your dwelling coverage limit is $200,000, you’d be covered for up to $40,000 under your loss of use insurance dwelling coverage.

Your policy will cover the $100 difference. This coverage applies in the event of a loss under Coverage A. An exception is if a civil authority says you have to leave, even if your home is undamaged.