Home Insurance – Loss of Use Coverage

Coverage That Keeps You Comfortable When Home Isn’t Livable

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.

 What Does Loss of Use Coverage Include?

• –   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.

 How Long Does It Last?

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.

 Important Notes:

• –   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.

 Why It Matters

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.

Have questions about your current coverage or limits?
Call us today at (954) 824-2191 or click below to request a personalized quote.