Coverage D Fair Rental Value and Coverage E Additional Living Expenses can only be added if which coverage is written?

Coverage D, which pertains to Fair Rental Value, and Coverage E, associated with Additional Living Expenses, are typically extensions of coverage that apply when there is a loss that makes a property uninhabitable or affects rental income.

These coverages are contingent upon having Coverage A, which is the dwelling protection. Coverage A provides essential protection for the physical structure of the home itself. If there is a covered peril causing loss or damage to the dwelling, this creates the need for Fair Rental Value or Additional Living Expenses. For instance, if a homeowner's residence becomes uninhabitable due to a fire, having Coverage A in place would trigger the need for compensation under Coverage D and Coverage E, as the insurance would account for the resultant loss of rental income and living expenses while the home is being repaired.

In summary, Coverage D and Coverage E serve as supplementary aids for policyholders facing issues directly related to a covered loss to the insured dwelling under Coverage A. This reaffirms the importance of Coverage A as the foundational coverage necessary for these additional benefits.