Which coverage is specifically related to loss of use for HO-4 policies?

The coverage specifically related to loss of use for HO-4 policies, also known as renter's insurance, pertains to Coverage C. In the context of HO-4 policies, Coverage C refers to personal property coverage, which protects the insured's belongings against various risks. However, loss of use coverage is designed to provide financial assistance for additional living expenses incurred when a rental unit becomes uninhabitable due to a covered loss.

Under HO-4 policies, the loss of use coverage typically comes as a percentage of Coverage C. This aligns with the intent to cover temporary living costs while the primary dwelling is undergoing repairs or restoration due to a loss. By providing coverage based on a percentage of Coverage C, the policy ensures that renters can still maintain their standard of living even though they are unable to use their rented property.

In contrast, the other options reference Coverage A, which pertains to the dwelling coverage intended for owner-occupied properties, rather than renters. Therefore, they would not directly apply to the loss of use situation associated with an HO-4 policy.