Month: December 2024

At Armadillo Insurance Agency in Austin, TX, our goal is to empower our policyholders by ensuring they have peace of mind following a covered peril to their homes. We strive to provide the knowledge you need and are committed to guiding you through the process.

Understanding Additional Living Expense Coverage (ALE)

We believe every homeowner should be aware of their home insurance policy’s additional living expense coverage. After a house fire, burglary, windstorm, or other covered peril, additional living expense coverage will cover the increased costs you incur due to the incident. These expenses could be from dining out when displaced or the loss of rent you are dealing with because part of your rented residence is uninhabitable.

ALE will also reimburse you if you are required to relocate after a covered peril and you are lodging in a hotel or renting a house temporarily. ALE also helps to pay for the extra mileage you are required to travel because you are displaced from your home. Other things possibly covered by ALE include:

• Pet boarding expenses: If your pet can’t accompany you to your temporary housing, it needs to be boarded until you can return to your home.
• Furniture rental: This is to obtain specific items you were once accustomed to in your residence (within reason).
• Moving Expenses
• Laundry Services / Laundry Costs: You can get reimbursed for the added costs of doing laundry at a laundromat or laundry service while you are displaced from your home.

Remember to save your receipts to submit for reimbursement when temporarily displaced from your home.

Insurance Questions and Concerns

Armadillo Insurance Agency in Austin, TX, can help if you have any questions or concerns about ALE coverage. Call (512) 249-2300.