All of the following statements about the coverage for loss of use (Coverage D) under the Homeowners 3 policy are true EXCEPT If a covered loss makes the home unfit for living the insurer pays additional living expenses the insured may incur as a result of the loss. The duration of payments for additional living expenses is limited to a maximum of 15 days. There is coverage for the fair rental value of any part of the premises rented to others. There if authorities prohibit the insured from using the premises because of a loss to a neighboring premises from an insured peril All of the following are additional coverages under Section 1 of the Homeowners 3 policy EXCEPT the reasonable expenses of removing debris of covered property after an insured loss. fire department service charges for which the insured is liable by contract or agreement damage to trees and shrubs caused by a windstorm. losses incurred from the unauthorized use of a stolen credit card