When can a homeowner expect coverage for additional living expenses?

The option referring to coverage for additional living expenses when home access is denied due to civil authority is correct because most homeowners' insurance policies include this coverage. This situation typically arises when an insured peril has caused damage to the home, leading authorities to restrict access for safety reasons, such as in the aftermath of a natural disaster or a civil emergency. The policy is designed to support policyholders in such scenarios by covering reasonable additional living expenses, including accommodations and food, until they can return home.

In the context of this question, the other options do not align with standard coverage situations outlined in homeowner insurance policies. Renovations usually do not constitute a scenario warranting coverage for additional living expenses unless the renovations are being made due to an insured loss. If the policyholder is at fault for the damage, that alone does not typically lead to additional living expense coverage; the coverage often relates to unforeseen circumstances. Lastly, coverage generally does not have a waiting period of 30 days; rather, benefits would be available immediately in qualifying situations. Thus, timing is not a factor in the determination of additional living expense coverage in the relevant circumstances.