When disaster strikes and your home becomes uninhabitable, your homeowners insurance policy is designed to step in and provide a safety net. The specific mechanism for this is usually called Additional Living Expenses (ALE) or Loss of Use coverage.
What is ALE Coverage?
ALE covers the extra costs you incur to maintain your normal standard of living while your home is being repaired. It does not cover your normal expenses (like your mortgage), but rather the difference between your normal expenses and your new, temporary expenses.
What Does It Pay For?
- •Temporary housing rent (like a NuBNB property)
- •Hotel bills (usually for the immediate days following the loss)
- •Restaurant meals (if your temporary housing lacks a kitchen)
- •Pet boarding (if your temporary housing doesn't allow pets)
- •Extra mileage if your commute is longer
At NuBNB, we specialize in maximizing your ALE benefits by providing fully furnished homes with kitchens, which eliminates the need for expensive restaurant meals and keeps your overall claim costs manageable, keeping adjusters happy and ensuring you don't hit your policy limits prematurely.