Coverage D: Loss of Use in the HO-3 policy does NOT cover: additional living expenses incurred when damage to the premises forces the insured to live elsewhere additional living expenses incurred when damage to a neighboring premises causes the police to prohibit the insured from returning home the fair rental value of property rented by the insured to others and made uninhabitable by a covered loss the fair rental value of property normally occupied by the insured and made uninhabitable by a covered loss Coverage D: Loss of Use in the HO-3 policy does NOT cover: additional living expenses incurred when damage to the premises forces the insured to live elsewhere additional living expenses incurred when damage to a neighboring premises causes the police to prohibit the insured from returning home the fair rental value of property rented by the insured to others and made uninhabitable by a covered loss the fair rental value of property normally occupied by the insured and made uninhabitable by a covered loss