How much coverage D does Don have if he has an HO-3 with $150,000 for Coverage A?

In a homeowners insurance policy, specifically the HO-3 form, Coverage D pertains to loss of use. This coverage typically provides additional living expenses when the insured property is uninhabitable due to a covered loss.

Coverage D is usually calculated as a percentage of Coverage A, which is the amount allocated for the dwelling. Most homeowners policies offer Coverage D at 30% of Coverage A. Given that Don has a Coverage A limit of $150,000, to find the amount for Coverage D, you multiply that limit by 30%.

When you calculate 30% of $150,000, you get $45,000. This amount represents the maximum limit available under Coverage D in Don's HO-3 policy.

Therefore, Don has $45,000 of Coverage D, which signifies that the answer indicating $45,000 is correct.