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Keller Williams Realty Petaluma, DRE #02104684
Georgina Patterson, Keller Williams Realty Petaluma, DRE #02104684Phone: (415) 342-6794
Email: [email protected]

Understanding additional living expenses

by Georgina Patterson 04/08/2024

Every homeowners insurance policy includes a percentage of coverage for additional living expenses. If you’re temporarily displaced from your home because of damage, this coverage can help you pay for the additional everyday expenses until you’re able to move back in. But what exactly does additional living expense (ALE) coverage include?

Here is a basic guide to the kinds of out-of-pocket expenses your ALE insurance can help you with:

Lodging

If your home is severely damaged, your insurance company may deem it unsuitable for living in while repairs are being made. In this case, your additional living expense coverage can help defray the costs of a temporary living arrangement. Lodging expenses covered include hotel and motel stays and short-term rentals.

Food

If you’re not living at home, you’ll likely need to rely on restaurants for a while. Unfortunately, this cost can add up quickly. Your additional living expense insurance can cover a reasonable amount of food costs exceeding your normal grocery bills.

Other expenses

Your insurance may help you with other expenses in addition to food and lodging. Some examples of common additional living expenses include:

  • Fuel and transportation costs for an increased commute.
  • Pet boarding if your temporary lodging doesn’t allow them.
  • Furniture rental if your temporary lodging is unfurnished.
  • Laundry services.
  • Storage fees for your personal belongings.

What isn’t covered?

While the list of expenses included in your ALE coverage is fairly expansive, it won’t cover everything. It’s important to remember that this portion of your insurance policy will not pay for damage to your home or belongings. However, these costs are covered by the dwelling portion of your homeowners insurance.

If you’re not certain, you can always check with your insurance company for more details about your additional living expenses coverage.

About the Author
Author

Georgina Patterson

Georgina was born and raised in Paris, France. She studied Mathematics and Biology at the University of Paris. She settled in Marin County where she and her husband raised their two children. She was on tour with Cirque du Soleil, managing and chaperoning her young daughter who was one of the show's featured performers. During this time, they worked and traveled throughout Canada and the USA. Georgina appreciates the beauty of the Bay Area and Sonoma. She especially enjoys the nice weather, diversity, and culture. She became a tax preparer and an Enrolled Agent. She decided to become a Realtor® and is pleased to join Keller Williams Realty. For fun, she enjoys traveling and playing the Piano. 

Realtor®

DRE #02104684

415.342.6794

[email protected]