Coverage applicable when an insured’s dwellingThe living quarters occupied, or intended for occupancy, by a household. More is damaged by an insuredThe entity (individual or otherwise) whose risk of financial loss from an insured peril is protected by the insurance policy. More peril to such an extent that one cannot live in it until repaired. This insurance pays the extra amount it costs to live elsewhere until repairs are made, such as the cost of living in a hotel.