Loss of Use Coverage & Additional Living Expenses
If damage to your home is covered by your policy, and you have to leave it during repairs, where would you stay? Would the cost of a hotel or temporary apartment fit into your budget? Loss of use coverage can help. If your home is damaged by a covered loss, loss of use coverage can help pay for your additional housing and living expenses while your home is being repaired or rebuilt.
What is Loss of Use Coverage?
Loss of use coverage, also known as additional living expenses (ALE) insurance, or coverage D, can pay for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
How Much Loss of Use Coverage Do I Need?
Everyone’s insurance needs are different. Loss of use coverage is commonly based off of your dwelling coverage and calculated at about 20% - 30% of the dwelling coverage limit. Is this enough to cover any necessary increase in living expenses if your residence is not fit to live in while damage is being repaired or replaced? Consult with your insurance agent about your individual policy to understand the amount of Loss of Use coverage you have. This is subject to coverage terms and limits. Speak with an agent or Travelers representative to learn more about loss of use coverage.
Be confident in your insurance choices. Contact your agent or Travelers representative so you can choose a homeowners insurance policy that fits your needs and your budget.
Visit our Claim Center for information on Loss Of Use Claims.