7 Things You Didn’t Know Your Homeowners Insurance Covers

Additional Living Expenses

When the worst happens, ALE or ‘loss of use’ coverage means you won’t have the additional stress of squeezing your family into a friend’s spare room. “If your home is inhabitable due to a covered loss, your insurance company will pay for you to stay somewhere else until you can move back into your home,” Parsons says.

In addition to picking up the check for a hotel, Airbnb, or other temporary accommodation, insurers might also cover things like pet boarding, laundromat services, dining out and temporary storage space.