Additional Living Expenses (ALE) coverage is not automatically included in all home insurance policies. However, it is a common feature in most standard policies.   ALE helps cover costs when you’re temporarily displaced from your home due to a covered loss (like a fire or storm damage). These expenses may include hotel stays, meals, and transportation while your home is being repaired. It’s essential to review your policy to confirm if ALE is included and understand the limits and conditions.  Related: One third of homeowners worried about extreme weather damage