Additional Living Expenses
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.
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
- Personal belongings
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.