When your home is uninhabitable from a covered claim, ALE helps pay for temporary housing, pet boarding, laundry services, food and other expenses incurred from having to live away from your home. ALE is automatically built into every homeowner policy and typically has a payout limit of 20% of your dwelling coverage. For example, a homeowner’s insurance policy with $300,000 in dwelling coverage would likely have $60,000 in ALE coverage.Here’s where loss of use coverage — otherwise known as additional living ...