ALE Budget Planner
What this tool does
Enter your dwelling coverage, ALE percentage, temporary housing costs, meal costs during repairs, your normal meal budget, and estimated repair duration. The planner shows your total ALE coverage, your monthly extra expenses, projected total cost, and how many months your coverage will last. It warns you if you're on track to exceed your limit.
Who needs this
Any homeowner facing a major repair that makes their home uninhabitable. Kitchen renovations, mold remediation, fire damage, extensive water damage. If you can't cook, sleep, or safely live in your home during repairs, ALE coverage helps pay for temporary housing and increased living costs.
How to use it
Check your declarations page for Coverage D (Loss of Use / ALE). Enter your dwelling coverage and the ALE percentage (usually 20-30%). Then enter your expected monthly costs for housing and meals, along with your normal monthly food budget. The planner shows the gap and how long your coverage holds.
See how this applies to your property
Upload photos of your damage and get a detailed analysis showing exactly where your estimate may fall short.