Additional living expenses
The part of a homeowners policy that pays for a hotel, meals and other extra costs while a covered event makes your home uninhabitable. Texas puts the typical limit at 10–20% of the dwelling amount, usually for up to 12 months. Remediation frequently makes a home unliveable for days, and almost nobody thinks to claim it.
What kind of thing this is
Additional living expenses is an insurance concept in this field. This definition comes from a primary government source. Where the wording matters we quote the standard rather than paraphrase it, because paraphrase is where precision leaks out.
Where you will meet it
You will hear this from an adjuster, and it usually decides the answer rather than describing it. Getting the term right is how you ask a question the adjuster can actually answer.
How it connects
- partOf: homeowners insurance
- requires: covered peril
Why the wording matters
This site defines terms in under forty words wherever it can, and attaches the practical consequence rather than leaving it implied. A definition that tells you what something is, without telling you what follows from it, is trivia at a moment when nobody has room for trivia.