What is additional living expense (ALE) coverage on a home insurance policy?

At Don Allred Insurance in Burlington, NC, we understand that some home insurance terminology can be confusing. Let us help you understand your homeowner insurance coverage and gain some clarity and peace of mind.

Understanding ALE Coverage

Additional Living Expense (ALE) coverage on a homeowner policy is a provision that compensates the insured for extra costs associated with being displaced from your house due to a loss covered by insurance. This could be due to a fire, windstorm, explosion, or natural disaster. You may see the term "loss of use" coverage used on your policy in place of additional living expenses, but they refer to the same coverage.

ALE covers meals, hotel stays, temporary housing while your home is being repaired, and travel expenses (if you have to travel longer distances to work than usual). This coverage helps you maintain your quality of life while living outside your home.

ALE will also reimburse you for the increased cost of food, laundry services, and pet boarding fees while you are displaced. Just make sure toep your receipts.

When a loss occurs, contact your insurance company to file a claim to get the ALE process working for you and your family.

Lastly, remember your policy limits. Most additional living expense coverages have limits on what they will pay out. Typically, it is a percentage of the overall dwelling coverage you have on your home.

Contact Us Today!

To learn more about additional living expense coverage and other benefits found on a home insurance policy, call us today at Don Allred Insurance in Burlington, NC. We have the knowledge and expertise of home insurance to give you and your family peace of mind when the unthinkable happens. You can reach us at (800) 280-2230.