Under Coverage D of a homeowners policy, what can an insured do regarding rental property?

Under Coverage D of a homeowners policy, which pertains to loss of use or additional living expenses, the insured is indeed allowed to make a claim for loss of rents even if the property is unoccupied. This coverage is designed to provide financial assistance to the policyholder in scenarios where rental income is lost due to an insured peril that temporarily makes the property uninhabitable.

The effective use of Coverage D means that if a rental property is damaged and becomes unusable as a result of a covered event, the owner can file a claim for lost rental income during the period of repair or rebuilding, regardless of whether there are tenants currently occupying the property or not. This is crucial for homeowners who rely on rental properties as a source of income, ensuring they do not suffer financially from unexpected incidents that necessitate repairs.

In this context, the other options may contain certain limitations or misunderstandings about the coverage specifics, but claiming for loss of rents even when the property is unoccupied best aligns with the intent and capabilities of Coverage D. Understanding this provision helps property owners prepare properly for potential financial disruptions due to property damage.