When the unexpected strikes—such as a fire, storm, or other covered disaster—your home may become uninhabitable during repairs. Loss of Use Coverage, also known as Additional Living Expenses (ALE), helps cover the costs of maintaining your standard of living while your home is being restored.

–   Temporary Housing: Reimbursement for hotel stays, short-term rentals, or temporary accommodations.

–   Meal Expenses: Covers increased food costs (e.g., dining out) if you can’t use your kitchen.

–   Transportation Costs: Includes additional mileage or public transit if your temporary housing is farther from work or school.

–   Pet Boarding: Reimbursement for pet care if your temporary housing doesn’t allow animals.

–   Laundry & Utilities: Covers extra laundry, utility bills, or other services that may increase while displaced.

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–   Applies only when the cause of damage is a covered peril(e.g., fire, windstorm, burst pipe).

–   Doesn’t cover costs you would normally pay (like your mortgage).

–   Not available for damages from excluded causes like flood or earthquake—unless those coverages are added separately.

Without Loss of Use coverage, you may have to pay out-of-pocket for hotel rooms, meals, or even a temporary apartment. This coverage ensures you and your family have a place to stay and maintain your lifestyle during a difficult time.

Coverage is provided until your home is livable again, or until you reach the policy’s limit—whichever comes first. The exact duration and maximum benefit depend on your policy.