Before discussing the exclusions applicable to the property coverages of homeowners policies, there are two additional categories of property coverage grants that need to be discussed. These are:
- loss of use coverage and
- miscellaneous additional coverages, frequently grouped under a heading in the policy referring to additional or additional protection.
The loss of use coverages fall into three general categories:
- additional living expense;
- fair rental value; and,
- loss due to civil authority.
