Which coverage pays the fair rental value of the property if it becomes uninhabitable?

The correct answer is Coverage D, which specifically addresses loss of use of the property. This coverage is designed to pay for the fair rental value of a property that becomes uninhabitable due to a covered loss. When a property is rendered uninhabitable, the insurer compensates the homeowner for the loss of rental income that they would have earned if the property had remained livable. This is crucial for property owners who may rely on rental income, as it helps mitigate the financial impact caused by unforeseen circumstances such as fire or water damage.

Coverage A typically pertains to the dwelling itself, covering the structure of the home against specified perils. Coverage B relates to other structures on the property that may be used for different purposes, such as detached garages or storage sheds. Coverage E usually involves additional living expenses incurred when the policyholder must reside elsewhere due to a qualifying loss. While all these coverages serve important roles, they do not specifically cover the loss of rental income, which is why Coverage D is the most appropriate choice for this scenario.