Additional Living Expenses Coverage for Renters

If a covered loss makes your apartment, condo, or rental home temporarily uninhabitable, Additional Living Expenses coverage may help pay for the extra costs of living somewhere else while repairs are made.¹

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What is Additional Living Expenses coverage?

Additional Living Expenses coverage helps pay for the extra costs you may have if you can't live in your rental after a covered loss.

If you need to move out temporarily, this coverage may help with the reasonable cost of your living expenses while your rental is being repaired or becomes livable again.

Also known as Loss of Use coverage or "ALE," this coverage usually comes standard with a renters insurance policy.

Firefighter responding at a residential building.

Why is Additional Living Expenses coverage important for renters?

If a covered loss forces you out of your home, costs can add up quickly. Additional Living Expenses coverage can help renters manage unexpected costs while they're temporarily displaced.

What does Additional Living Expenses coverage cover?

If your claim is covered, Additional Living Expenses coverage may help with expenses such as:

Temporary housing, like a hotel or short-term rental
Higher meal costs, if you can't cook at home
Laundry expenses
Parking or transportation costs related to temporary relocation
Pet boarding, if necessary because of the loss

Coverage depends on your policy, your limits, and the specifics of your claim.

What does Additional Living Expenses coverage not cover?

Additional Living Expenses coverage is generally meant to help with extra costs caused by a covered loss. It typically does not cover:

your normal living expenses that have not increased
expenses unrelated to a covered claim
costs that are not reasonable or necessary
losses caused by events not covered by your policy
situations where your rental is unavailable for reasons unrelated to a covered loss

Coverage, exclusions, and limits vary by policy and state.

When does Additional Living Expenses coverage apply and how long does it last?

For Additional Living Expenses coverage to apply, the loss usually needs to be covered under your renters insurance policy. Covered losses can vary by policy, but may include things like:

fire
smoke damage
wind damage
certain types of water damage
other covered perils listed in your policy

Additional Living Expenses coverage is typically intended to help for the reasonable time needed to repair the damage or make your rental livable again, up to the limits of your policy.

How long coverage lasts can depend on: