Don't assume
that because a particular homeowner policy might cover alternate accommodations if home is unlivable while being repaired, that all of them do.
Just like 3 people might have liability coverage on their auto insurance, but one policy might exclude coverage if driver is convicted of dui when the accident occurred, or might deny coverage if the at-fault driver had no valid driver's license (perhaps they let the renewal date slip by). ALL POLICIES ARE NOT THE SAME.
This would be a good time for everyone to go read their policies and make sure you understand what is and is not covered.
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