What is the definition of Additional Living Expenses?

Additional Living Expenses refer to the amount paid, over and above what is normally needed, while the home is being repaired.

When a house is insured and is damaged because of a covered event (fire, earthquake, and other natural disasters), the person or family living there may have to live somewhere else while the house is being repaired. During that time, the insured will need a temporary home. Additional living expenses will usually cover what is needed such as the rent expense, and even the cost of renting furniture and electrical appliances. Other costs that may be covered by additional living expenses are renter's insurance, increases in the food bill because of the need to eat at restaurants, utility deposits and other related costs that are required during the temporary relocation.

• Businessowners Policy / BOP
• Competitive State Fund
• Excess and Surplus Lines
• Employer’s Liability
• Blanket Insurance