Additional living expenses
Coverage for eligible extra costs of maintaining a comparable standard of living when a covered loss makes a home unfit to live in.
Also called
ALE · loss of use
What it means
Home, condo or tenant coverage that may reimburse reasonable increased living costs during covered repairs.
Example
If a covered fire forces a household into a hotel, eligible costs above normal living expenses may be reimbursed within the limit.
Canada context
Insurance wording and mandatory coverage can differ by province, insurer and policy form. Read the declarations, endorsements and full policy wording that apply to you.
Common confusion
This coverage is not a budget for all living expenses; only qualifying additional costs, time periods and limits apply.
Important
This plain-language explanation is general information, not legal advice or a substitute for your policy wording. Ask a licensed insurance professional about your situation.
Last reviewed August 17, 2026
Sources
General information only. Coverage and terminology can differ by province, insurer, and policy wording. Consult your policy and a licensed insurance professional.