Additional Living Expenses

Covers any necessary increase in living expenses incurred by you and your house so that you can maintain their normal standard of living.1

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What is Additional Living Expenses Coverage?

Additional Living Expenses Coverage helps pay for bills related to having to temporarily relocate due to a covered loss. Also referred to as “loss of use” or “ALE”, Additional Living Expenses Coverage comes standard with your Liberty Mutual homeowners policy.

Large tree branch falls on and damages a roof.

What does Additional Living Expenses cover?

Having to leave your home, due to a covered loss, is never easy. Not only for the inconvenience, but the extra expenses can add up quickly. That's where Additional Living Expenses Coverage can help by reimbursing you for these costs.

In general, Additional Living Expenses Coverage helps pay for things like

  • Hotel or rental home charges
  • Increased food expenses if your temporary house doesn't include a kitchen
  • Pet boarding expenses beyond normal daily pet care
  • Additional utility expenses
  • Laundry expenses

What expenses aren't included in Additional Living Expenses insurance?

Additional Living Expenses insurance doesn't cover costs related to damage to your

  • Home
  • Personal belongings

These damages are normally included in the Dwelling and Personal Property part of your home policy.

Keep in mind, Additional Living Expenses typically has a limit (maximum amount covered). You can find this is in your homeowners policy.

Is there a deductible for Additional Living Expenses Coverage?

That depends on your homeowners policy. If you have a deductible, you may need to pay it for this coverage. If you're not sure, review your policy or ask your insurance company.

What are some examples of when Additional Living Expenses Coverage kicks in?

Let's say you have a homeowners policy with Additional Living Expenses coverage. One day, there's an ice storm that causes a tree to fall on your roof. Due to the damage, you can't live in your home while it's fixed. So, you and your family rent a modest home while the repairs are made. In this case, the cost of the home would be covered, up to your limits.

Insurance coverages for your home


Water Backup

Covers damage caused by water back up and overflow.

Personal Property Coverage

Pays the actual cash value of covered personal property that needs to be replaced due to a covered loss.

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1Stated policy limits apply; not available in all states.