A household displaced by a serious loss frequently rents for a year or more while the house is rebuilt. That rental needs its own cover, and the arrangement is more complicated than an ordinary tenancy.
Loss of use pays the additional cost of the rental. It does not insure your belongings inside it.
Three things about renting while your own house is rebuilt.
Your homeowners policy funds the additional cost of living elsewhere after a covered loss. It does not become a renters policy for the house you move into. Belongings you buy or salvage, and liability at the new address, are separate questions that frequently go unasked during an exhausting year.
Furniture and possessions recovered from the loss and moved into a rental are still yours to insure, and they may already be part of an open contents claim. Keeping the two straight matters, and it is the kind of detail that gets lost while a household is dealing with a rebuild.
The damaged property remains yours, is probably unoccupied, and may be under construction. That needs its own arrangement, frequently a builders risk or vacant property policy, alongside the cover at the address where you are actually living.
Two properties at once, briefly.
A long rebuild tests both, and both are stated.
Salvaged, replaced or new, they need covering.
Unoccupied and under construction is its own arrangement.
Tell us where you are living now and what stage the rebuild is at.
