When a covered loss makes your home unlivable, the last thing you should worry about is where you’ll stay or how you’ll manage daily expenses. That’s where Loss of Use coverage—also known as Additional Living Expenses (ALE)—comes in.

What Is Loss of Use Coverage?

Loss of Use coverage helps pay for the extra expenses you incur when your home becomes temporarily uninhabitable due to a covered claim, such as fire, storm damage, or certain types of water damage. It ensures that even during disruption, you can maintain your normal standard of living.

What Expenses Does It Cover?

While coverage varies by policy, Loss of Use commonly helps pay for:

• Temporary housing such as hotels, rentals, or short‑term apartments
• Additional food costs when you can’t cook at home
• Extra transportation expenses if your temporary location increases your commute
• Storage fees for belongings
• Pet boarding when needed

What Loss of Use Doesn’t Cover

This coverage only applies when the damage to your home is caused by a peril your policy covers. It also won’t pay for your regular monthly expenses—just the additional costs you face due to the loss.

Why It Matters

A major household disruption can be stressful, but Loss of Use coverage helps protect your financial stability during repairs. Without it, temporary living arrangements and related costs can add up quickly.

Reviewing your policy and understanding your coverage limits can give you confidence that your family is supported, no matter what comes your way.