The short answer
ALE (also called Loss of Use or Coverage D) pays the increased cost of living when a covered loss makes your home uninhabitable — hotel, short-term rental, restaurant meals above normal grocery cost, pet boarding, extra fuel for commute. Cap: 20% of dwelling coverage on HO-3, often for 12–24 months. ALE keeps paying only until repair is complete or the cap hits.
Frequently asked
- Do I need receipts?
- Yes — insurers require documented expenses. Track meals above your normal grocery baseline, not total food spend.
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