A majority of homeowner insurance policies provide coverage for additional living expenses (ALE) incurred as the result of a covered peril. Additional Living Expenses (ALE) serve the purpose of reimbursing the policyholder for expenses that are above normal household living expenses in order to maintain your normal standard of living. While some homeowner insurance policies have no limit for ALE coverage, others may limit the ALE coverage to a certain percentage of the dwelling coverage. The insurance company will pay for the shortest time required to repair or replace the damage,