Loss of Use by Insurance Carrier

Independent of every carrier. 1st Choice Living is an independent temporary housing company, not affiliated with, endorsed by, or acting for any insurer named here. Every limit below is quoted from the carrier’s published policy form or the carrier’s own website, linked on each carrier page, and checked on October 15, 2026. Your policy and your adjuster decide what is covered.

Additional Living Expenses, or loss of use, is the part of a homeowners policy that pays for somewhere to live while a covered loss keeps you out of the house. Every carrier pays the increase over your normal cost of living, up to a limit. Where the carriers differ is the name on the coverage, how many months it runs, and whether the dollar cap is in the form or on your declarations page. The table reads each carrier’s own words; the carrier pages quote them in full.

How long and how much each carrier pays, as published

Carrier	What the policy calls it	Time limit, as published	Dollar limit, as published	Read from
State Farm	Coverage C, Loss of Use	Up to 24 months: the shortest of the time to repair or replace the premises, the time for the household to settle elsewhere, or 24 months	The limit of liability shown in the Declarations for Coverage C, one combined limit for Additional Living Expense, Fair Rental Value, and Prohibited Use	State Farm homeowners forms HW-2119 and HW-2136, posted by the Maine and Oklahoma insurance departments
Allstate	Additional Living Expense, under Section I Additional Protection (no coverage letter)	The least of the time to repair or replace the property, the time for the household to settle elsewhere, or 12 months (forms AP4687 and AVP58)	AP4687: also the least of those or 10 percent of the Dwelling Protection, Coverage A limit on the Policy Declarations. AVP58: no dollar cap in the clause. Allstate sells higher limits through its Extended Protection Amendatory Endorsement.	Allstate Homeowners Policy Special AP4687 and House & Home Policy AVP58, on allstate.com
USAA	Coverage D, Loss of Use Protection	Not to exceed 12 months; not to exceed 24 months when the loss results from an event assigned a Property Claims Service (PCS) catastrophe code	The amount of insurance for Loss of Use shown on the Declarations, one total for Additional Living Expense, Fair Rental Value, and Prohibited Use; the 24 month extension does not increase it	USAA Homeowners 3R(02) Special Form, edition 07-08, posted by the Nevada Division of Insurance
Farmers	Coverage D (Loss of Use)	The shortest time reasonably needed to repair or replace the dwelling or to permanently relocate, but in no event more than the time period shown in the Declarations	The stated limit for Loss of Use on the Declarations, one total for Additional Living Expense, Loss of Rents, and Prohibited Use for any one loss event. farmers.com says the limit typically equals 20 percent of dwelling coverage, citing the Insurance Information Institute.	Farmers Smart Plan Home Policy forms 56-5646 and 56-5640, posted by the Oklahoma and Nevada insurance departments
Erie	Additional Living Expenses (no coverage letter on the pages Erie publishes)	Up to 12 months in standard ErieSecure Home policies; 24 months with the Select or Plus ErieSecure Home bundles (erieinsurance.com)	Not published nationally. Erie's North Carolina homeowners page says up to 20 percent of the dwelling amount for temporary living expenses. Your declarations show your limit.	erieinsurance.com only; the ErieSecure Home policy form is not public
Liberty Mutual and Safeco	Coverage D, Loss of Use (Liberty Mutual forms); Coverage D, Additional Living Expense and Loss of Rent (Safeco forms)	Safeco HOM-7050 and HOM-7030: the shortest time required, not exceeding 24 months, to repair or replace the damage or to permanently relocate. Liberty Mutual FMHO 943 and the FMHO 6100 state endorsements: the shortest time required to repair or replace the damage or to relocate, with no month figure in the clause	The Coverage D limit on your Policy Declarations, one total for Additional Living Expense and Loss of Rent (Safeco) or Additional Living Expense and Fair Rental Value (Liberty Mutual), including the two week civil authority provision	Safeco HOM-7050/EP 4/18 and HOM-7030/EP 1/09, and Liberty Mutual FMHO 943 with the FMHO 6100 Nevada and Maine endorsements, posted by the Oklahoma, Nevada, and Maine insurance departments
American Family	Coverage D, Loss of Use	The shortest time required to repair or replace the damaged property or, if you permanently relocate, the shortest time required for you to do so; no month figure in the clause	The Coverage D limit shown in the Declarations, one total for Additional Living Expense and Civil Authority Prohibits Use	American Family Homeowners Form HO 80 03 01 14, posted by the Nevada Division of Insurance
Travelers	Coverage D, Loss of Use (Property Coverage D on Quantum Home 2.0)	Quantum Home 2.0 (HQ-P03): the lesser of the shortest time required to repair or replace the damage or settle your household elsewhere, or 24 months. HO-3 (06-06): the shortest time required to repair or replace the damage or to settle elsewhere, with no month figure	The Coverage D limit of liability on the declarations, one total for Additional Living Expense, Fair Rental Value, and Civil Authority Prohibits Use	Travelers Quantum Home 2.0 (HQ-P03 CW 05-17) posted by the Maine Bureau of Insurance, and Travelers Homeowners Special Form HO-3 (06-06) posted by the Nevada Division of Insurance
Chubb	Additional living expenses, under Extra Coverages in Deluxe House Coverage (no coverage letter)	From the date of loss to the earliest of: the reasonable time to restore the house to a habitable condition, the shortest time to settle elsewhere if you permanently relocate, or up to two years from the date of loss, or a later date if agreed to by Chubb. Forced evacuation expenses: up to 30 consecutive days	No dollar figure in the clause unless Limited additional living expenses coverage is shown in your Coverage Summary, in which case that amount is the maximum for all additional living expenses combined per occurrence	Chubb Masterpiece Deluxe House Coverage, form 0800018 (Maine, 03/08/21), posted by the Maine Bureau of Insurance
Nationwide	Loss of use, also referred to as additional expenses insurance or part D coverage (nationwide.com)	Not published. nationwide.com says there are limits to what and how much Nationwide will reimburse, without stating a number of months	Not published. Your declarations show your limit	nationwide.com only; the homeowners policy form is not public
Auto-Owners	Additional Living Expenses (no coverage letter on the pages Auto-Owners publishes)	Not published on auto-owners.com	Not published. Your declarations show your limit	auto-owners.com only; the homeowners policy form is not public

Each carrier page has the exact wording, the deductible line, what the carrier says on its own site about temporary housing, and the questions homeowners with that carrier’s claims ask: State Farm, Allstate, USAA, Farmers, Erie, Liberty Mutual and Safeco, American Family, Travelers, Chubb, Nationwide, Auto-Owners.

Where your own limit is

On your declarations page. Every form we read sends you there for the dollar limit, and the Farmers Smart Plan form sends you there for the time period too. The declarations page is the one or two page summary at the front of the policy that lists each coverage and its limit. If you cannot find yours, your agent or adjuster can send it. Learn the limit at the start of the claim and keep an eye on it the whole way through.

How a trailer on your own lot fits any of these policies

None of the wording we quote names a hotel, an apartment, or a trailer. It pays the reasonable increase in cost to keep your household at its normal standard of living while the home is uninhabitable. A furnished travel trailer delivered, leveled, and connected on your own property is one way to do that, and your adjuster decides whether it is approved on your claim. We send the adjuster the written terms, confirm the local rule on a temporary RV at your address before delivery, and on a covered claim bill the carrier directly under Additional Living Expenses, tracked against your limit. If a temporary housing company is already handling your housing, ask them to place you with 1st Choice Living. The walkthrough is on on-site RV housing, and the questions to ask before you commit to any housing are in our guide to arranging your own temporary housing.

Ask about a trailer on your lot

Call or send the request form with your carrier, your claim number, your adjuster’s contact, and the property address.

Call (214) 493-1515 Request housing

After Hurricane Isaias

If Hurricane Isaias made your home unlivable in Alabama, Mississippi, or the Florida Panhandle, start with your carrier’s page above for the limits, then our Hurricane Isaias page for the storm facts with official sources, how each state’s insurance department explains Additional Living Expenses, Florida’s temporary shelter law, and the local RV rules by county. Erie does not list Alabama, Mississippi, or Florida among the states where it offers homeowners coverage.

Frequently asked questions

Is loss of use the same as additional living expenses?

Mostly. On most of the forms we read, Loss of Use is the coverage (Coverage C at State Farm, Coverage D at USAA, Farmers, Liberty Mutual, Travelers, and American Family) and Additional Living Expense is the provision inside it that pays for somewhere to live, next to Fair Rental Value or Loss of Rent and a civil authority provision. Safeco calls Coverage D Additional Living Expense and Loss of Rent. Allstate, Erie, Chubb, and Auto-Owners call the whole thing Additional Living Expenses and give it no letter. Either way it pays the increase in cost to keep your normal standard of living while the home is uninhabitable.

Where do I find my own limit and time period?

On your declarations page. Every form we read points there for the dollar limit, except Chubb, whose form states no dollar figure unless a Limited additional living expenses amount is shown on the Coverage Summary. The time limit is in the form itself for State Farm (24 months), Allstate (12 months), USAA (12 months, or 24 with a catastrophe code), Safeco (24 months), Travelers Quantum Home 2.0 (24 months), and Chubb (up to two years from the date of loss, or later if Chubb agrees). It is on the declarations page for Farmers. The Liberty Mutual, Travelers HO-3, and American Family forms state no month figure and pay for the shortest time required to repair, replace, or relocate. Erie publishes 12 or 24 months depending on the bundle you bought, and Nationwide and Auto-Owners publish no figure.

Does every carrier cap how long it pays?

Not all of them in months. State Farm caps Additional Living Expense at 24 months, Allstate at 12, USAA at 12 or 24 with a Property Claims Service catastrophe code, Safeco at 24, Travelers Quantum Home 2.0 at 24, and Chubb at two years from the date of loss unless Chubb agrees to more. One Allstate form also caps it at 10 percent of the dwelling limit. Farmers caps it at the time period printed on your declarations. The Liberty Mutual, Travelers HO-3, and American Family forms we read state no month figure and pay for the shortest time required to repair, replace, or relocate, up to the dollar limit. Erie publishes 12 months for its standard ErieSecure Home policy and 24 for the Select or Plus bundles. Nationwide and Auto-Owners publish no form and no figure.

Does my carrier have to approve a trailer on my property before delivery?

Your adjuster decides what your policy covers, so yes, get the approval first. We send the adjuster the written terms for the trailer, confirm the local rules for a temporary RV at your address, and on a covered claim we bill the carrier directly under Additional Living Expenses, tracked against your limit. If a temporary housing company is handling your housing, ask them to place you with 1st Choice Living.

My carrier is not on this list. What do I do?

These eleven are the carriers we have written up; others follow. The questions are the same for any carrier: does the claim include Additional Living Expenses, what is the limit in dollars and in months on the declarations page, will the carrier pay the housing provider directly, and is a furnished travel trailer on your own property an eligible expense. Our guide to arranging your own temporary housing walks through them, and you can call us with your claim number and we will work with whoever is on your file.

Stay on your lot while the house is repaired

One named contact, local rules checked before delivery, direct billing to your carrier where the claim covers it.