Which of the following types of damage is covered under the Additional Living Expense clause?

The Additional Living Expense (ALE) clause in a homeowner's insurance policy is designed to cover costs that arise as a result of being temporarily displaced from your home due to a covered loss, such as fire or water damage. When a policyholder is unable to live in their home, this clause allows them to claim expenses that are above and beyond their normal living costs.

Increased costs related to temporary living expenses, such as the difference between the cost of a hotel and the usual cost of living at home, are specifically covered. This can include accommodation costs and meals that were not part of their normal expenses while residing at their home. The purpose of the ALE clause is to ensure that the policyholder can maintain a standard of living that is as similar as possible to what they were accustomed to before their home was damaged.

While utility payments may still apply, typically they would not be considered additional living expenses if they remain similar to what the policyholder was already paying. Home insurance premiums during displacement are generally not something that could be claimed under the ALE clause, as they are considered regular expenses that are still owed regardless of living conditions. Lastly, loss of rental income due to damage would likely fall under other coverage categories such as rental property insurance, not the