When disaster strikes, the last thing you want to worry about is where you’ll sleep at night. Whether it’s a hurricane, fire, or flood, having a safe place to stay while your home is being repaired is essential. At Coastal Premier Insurance Group in Boca Raton, FL, we understand how important it is to know what your home insurance policy covers—especially when it comes to temporary housing.

What Is Temporary Housing Coverage?

Temporary housing coverage, also known as Additional Living Expenses (ALE) or Loss of Use coverage, helps pay for the cost of living somewhere else when your home becomes uninhabitable due to a covered event. This could include renting an apartment, staying in a hotel, or even covering meal expenses if you can’t cook. It’s designed to help you maintain a sense of normalcy during a very abnormal time.

What’s Typically Covered?

Most standard home insurance policies include some form of ALE, but the extent of coverage varies. Some policies have a time limit, others a dollar limit—or sometimes both. It’s crucial to understand these details before you ever need to use them. For example, if your policy only covers expenses for 12 months, but your home takes 18 months to repair, you may be responsible for the remaining six months of costs.

Let’s Review Your Policy Together

If you’re unsure about what your policy includes, don’t wait until disaster strikes. Contact Coastal Premier Insurance Group in Boca Raton, FL today. We’ll help you review your current coverage and ensure you’re fully prepared because peace of mind is something you should never have to compromise.