Civil Authority Coverage
Definition:
Insurance that covers loss of use or income when a government authority restricts access to your property due to a covered peril.
Explanation:
This coverage applies when damage nearby makes your property inaccessible. It typically applies to both homeowners and businesses.
Example:
If officials block access to your street after a gas line explosion, civil authority coverage may pay for additional living expenses or lost income.
Why it matters:
This term affects how claims are handled and what payout a homeowner may receive.