What You Should Know About Homeowners Insurance Coverage for Additional Living Expenses
What You Should Know About Homeowners Insurance Coverage for Additional Living Expenses Homeowners Insurance Coverage for Additional Living Expenses Brenda Wynn Las Vegas NV Real Estate Berkshire Hathaway HomeServices What You Should Know About Homeowners Insurance Coverage for Additional Living Expenses. If your house is severely damaged and you can’t live there while it’s being repaired, your homeowner’s insurance policy’s additional living expenses (ALE) coverage should kick in. This is a standard form of coverage that can pay for extra living expenses that you incur while your home is uninhabitable. When ALE Coverage Applies You’ll only be eligible for coverage if your house is damaged by a covered peril, such as a storm or a fire. ALE coverage can also apply if you have to leave your home because of a mandatory evacuation order related to a covered peril. For example, if you’re ordered to evacuate because of an approaching storm, your additional living exp...