Additional living expense coverage helps pay for increased costs you incur if you are temporarily unable to live in your residence due to a covered loss.
For example, let's say that you have a grease fire in your kitchen and it causes enough damage to make your residence uninhabitable. Additional living expense coverage may help pay for costs that exceed your typical expenses such as hotel bills or restaurant meals while you're unable to live in your residence.
The additional living expense coverage is 20% of your personal property limit. If you have a $5,000 personal property policy, that means you have up to $1,000 worth of coverage for additional living expenses. Please note that this coverage is paid on a reimbursement basis.