What is a loss of use coverage?

Loss of use coverage, also called additional living expenses (ALE), pays for your temporary housing and extra living costs if your home is uninhabitable due to a covered loss. This includes hotel stays, restaurant meals, laundry services, and storage fees. Coverage is typically limited to a percentage of your dwelling coverage, often 20 to 30 percent. It does not cover your mortgage or regular living expenses you would have paid anyway. Keep all receipts during displacement.