Tom, ___, and Harry lost their personal residence due to a forest fire that swept through their town. Tom and Harry owned houses, and ___ owned a unit in a condominium complex. Tom had a standard HO policy, while Harry elected repair cost coverage under a HO-8 policy. The value of all of their homes was $300,000, and all three will incur additional living expenses while their homes are rebuilt. All three maintained dwelling coverage under their homeowners policies equal to the value of their home. Which of the following statements concerning loss of use coverage under their homeowners policies is correct?

a. All homeowners policies provide benefits that cover temporary living expenses as long as necessary to repair or replace the lost homes.

b. Toms insurance company will pay a maximum of $90,000 to cover temporary living expenses.

c. ___s insurance company will pay a maximum of $90,000 to cover temporary living expenses.

d. Harrys insurance company will pay a maximum of $60,000 to cover temporary living expenses.