Which deductible policy applies to coverage D or E under dwelling policies?

When considering coverage D (Fair Rental Value) and coverage E (Additional Living Expense) under dwelling policies, it is essential to note that these coverages are not subject to a deductible. This is primarily because these coverages are designed to provide immediate financial relief for the insured when their property becomes uninhabitable due to a covered loss, like a fire or severe weather.

In contrast, other parts of a dwelling policy may have standard or increased deductibles, which apply to physical damage or other losses. However, since coverages D and E are aimed at compensating for loss of use rather than for physical damages to the property, they do not require the insured to pay a deductible before receiving benefits. This approach helps ensure that individuals affected by a loss can access funds promptly to meet their living expenses during repairs or reconstruction, thus supporting their immediate needs effectively.