PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
When is a home deemed uninhabitable by insurance companies?
"I know my home insurance will cover temporary living expenses if my house becomes uninhabitable for some reason. But what I want to know is, how do insurance companies decide whether a home can or can't be occupied?
"
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Good question! The simple definition of uninhabitable is “unfit to live in.” This usually refers to health or safety issues, or a lack of necessities or utilities such as electricity, heat, running water, and sanitary facilities. If a house is structurally damaged, it is usually considered to be uninhabitable as well due to the safety issues involved.
You would need the living expense if, for example, a damaged roof could collapse at any moment or a kitchen was no longer safe to use after a fire.
On the other hand, if there was damage to a bedroom and you have a three-bedroom house, then the insurance adjuster would say that it is safe to stay and that the home is still liveable.
“
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies