Additional living expenses or ALE reimburses you for the costs you incur when you can’t stay in your home after a disaster. These costs might include your hotel bill, food, and meals beyond your average grocery costs.While it’s an excellent idea to consider adding ALE coverage to your homeowners policy, you might keep this coverage minimal if you have family and friends who could accommodate you in an emergency. You’ll then keep your monthly insurance expenses to a minimum while still having some ALE coverage.When buying homeowners insurance, carefully note any types of disasters not covered under each policy. For example, some policies don’t cover damage caused by outside flooding unless you buy a separate flood insurance policy. Note any reimbursement limitations for each type of coverage. Suppose your fine jewelry and furs are insured up to a certain dollar value. In that case, you might consider storing them in a fireproof safe or even keeping them in a nearby secured storage facility or safe deposit box.If your home is old, consider adding building code insurance to your coverage. Building code insurance covers the added cost of repairing your home according to current building codes that were not in force when your house was constructed. As it might cost more money to bring your home up to current codes while it’s being repaired, it can be good to have this additional coverage in place.You’ve now got a good idea of the standard homeowners insurance coverage, how to adjust it for your needs, and what extra protections are worth considering. With this knowledge, you can get quotes to find the best policy for you and your family. Remember, it’s important to have enough coverage to rebuild your home in case of disaster, but also important not to overspend on premiums. By finding a balance between the two, you’ll be sure that your family is taken care of in case the unexpected happens.