INSURANCE DEFINIATIONS

What Are Additional
Living Expenses (ALE)?

Additional Living Expenses (ALE) coverage helps pay the extra costs you incur when your home becomes temporarily uninhabitable due to a covered insurance claim.

WHAT ALE MAY COVER

Hotel stays
Temporary rental housing
Restaurant meals
Laundry expenses
Increased transportation costs
Pet boarding (when applicable)

Example

A kitchen fire makes your home unsafe to live in for two months.

ALE may help pay for:

  • Hotel accommodations
  • Temporary apartment rental
  • Additional food expenses
  • Laundry services

while repairs are completed.

COMMON POLICIES

Homeowners Insurance

The loss of the ability to live in your home due to a covered loss.

Condo Insurance

A sudden and accidental event that is covered under your insurance policy.

Renters Insurance

Physical damage to your home or belongings caused by a covered event.

RELATED TERMS

Loss of Use

The loss of the ability to live in your home due to a covered loss.

Covered Loss

A sudden and accidental event that is covered under your insurance policy.

Property Damage

Physical damage to your home or belongings caused by a covered event.

Questions About Your Coverage?

Our licensed advisors can help you understand your policy, review your coverage, and make sure you have the protection you need when life happens.

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