Additional living expenses coverage pays for the extra expenses you’ll have if you’re unable to stay in your manufactured home due to a covered loss. For example, if a storm destroys your manufactured home and you have to move out, ALE insurance will reimburse costs, such as temporary housing costs or restaurant bills.
The amount that’s covered will be the difference between your regular living expenses and the cost of living after the covered event. Moving out of your manufactured home at a moment’s notice because of a disaster can be a stressful time, and having the coverage to take care of food and shelter makes a difficult time a little easier.