Your Home
Loss of Use Runway
If your home were unliveable tomorrow, how many months would your policy actually house you?
Calibrate
Drag to set each value — estimates are fine.
On your declarations page. Loss of use is usually a percentage of this.
Commonly 20%–30% of Coverage A. Leave at the default if you are not sure.
A comparable rental in your area, furnished if yours is furnished.
The mortgage does not pause during a rebuild.
Total losses commonly run 9–18 months once permits, labour and materials are counted.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Your dwelling limit (Coverage A)
- Loss-of-use percentage, if known
- Monthly cost of somewhere to live
- Mortgage still due each month
- Expected months to rebuild
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.