Definition
This covers your temporary housing and living expenses when your home is unlivable after a covered disaster. Without it, you'd be paying rent out-of-pocket while your house gets repaired.
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Additional living expense (ALE) coverage pays for hotel, rental, and food expenses while homes are being repaired. Coverage typically limits daily expenses and duration. ALE coverage ensures living standards are maintained during displacement. Without ALE coverage, homeowners face uninsured temporary housing costs.
Pro Tip
Verify adequate ALE coverage for your area's rental costs. Six-month reconstruction is common; underinsurance forces difficult financial decisions.
Example
ALE coverage of $50,000 pays for 6-month temporary rental while home is repaired after fire damage.