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In California, if the cause of a covered loss is declared a \u201cstate of emergency,\u201d then insurers must offer at least 24 months of Additional Living Expenses (ALE) benefits, up to policy limits. This may be extended by an additional 12 months due to circumstances beyond your control.
ALE coverage is included in most homeowners or renter's insurance policies. This type of insurance covers expenses such as food and the cost of staying at a hotel until the primary dwelling is inhabitable.
Loss of Use Coverage provides you with a replacement vehicle or reimburses you for your transportation costs, while your vehicle is being repaired or replaced after being damaged by an insured peril.
A standard policy includes four key types of coverage: dwelling, other structures, personal property and liability. If your home is damaged by a covered event, like strong winds, dwelling coverage can help pay to repair it.
Additional living expenses: This covers reasonable expenses like food, hotel or rental home charges, and other costs you wouldn't normally face while living in your own home.
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ALE might reimburse you for things such as: Hotel or temporary rental costs. Restaurant meals. Boarding costs for a pet. Storage fees. Washer and dryer costs. Pet boarding. Mileage. Rent you would have collected if a tenant was still able to live at the property.
Loss of use coverage, also known as additional living expenses (ALE) insurance, or Coverage D, can help pay for the additional costs you might incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
The law does not require all U.S. employers to offer health insurance to their workers. Rather, only employers defined by federal regulations as "applicable large employers," or ALEs, must make insurance available or pay a penalty.

state farm homeowners policy booklet pdf