Independent of Auto-Owners. 1st Choice Living is an independent temporary housing company. We are not affiliated with, endorsed by, or acting for Auto-Owners. Everything on this page is quoted from Auto-Owners’s published policy form or Auto-Owners’s own website, linked where it appears, and checked on October 15, 2026. Your policy and your Auto-Owners adjuster decide what is covered. This is general information, not legal or coverage advice.
When a covered loss makes a house unlivable, the part of a homeowners policy that pays for somewhere else to live goes by different names at different carriers, and the time and dollar limits sit in different places. This page is the Auto-Owners version: what the coverage is called, what the published wording says about how long and how much, and how a furnished travel trailer on your own property becomes the housing that coverage pays for. 1st Choice Living has placed trailers on homeowners’ own lots, nationwide, since 2004, and bills the carrier directly where the claim covers it.
Auto-Owners loss of use at a glance
The other four carriers side by side: loss of use coverage by insurance carrier.
Why this page quotes only Auto-Owners’s website
Auto-Owners does not publish its homeowners policy form on auto-owners.com, and we did not find a copy posted by a state insurance department. So this page quotes only Auto-Owners' own website, and it says less than our pages for carriers whose forms are public. Auto-Owners' coverages page itself says its content is superseded in all respects by the policy. Your policy booklet and declarations page are the words that govern your claim; ask your Auto-Owners agent for them.
What Auto-Owners says on its own website
“Pays for expenses if you are unable to stay in your home after a covered loss.”
“When your home is unsafe to stay in after severe storm or fire damage, your homeowners insurance can cover additional living expenses such as the cost of a hotel stay and food.”
“Rather than purchasing a separate flood policy, this coverage can be added to an existing homeowners policy for homes in low-to-moderate flood zones. It covers your home, contents (including those in a basement), debris removal, additional living expenses and the cost to move covered property to safety.”
“Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy.”
A trailer on your own lot as your Additional Living Expenses housing
Nothing quoted above names a hotel, an apartment, or a trailer. The wording pays the increase in cost to keep your household at its normal standard of living while the house is uninhabitable, up to the limits. A furnished travel trailer delivered, leveled, and connected on your own property is one way to do that, and it keeps you next to the rebuild, your kids in their school, and your pets at home. Whether it is approved on your claim is up to your Auto-Owners adjuster. Here is how that approval usually comes together.
Auto-Owners' pages do not describe how temporary housing is approved or state a limit, and the coverages page says its content is superseded in all respects by the policy. So the policy booklet and declarations your agent can send you are the words to read, and the steps below are the general ones. Ask the adjuster for the Additional Living Expenses limit and any time period on your policy.
One line on auto-owners.com matters after a flood: Auto-Owners says its optional Inland Flood Coverage, added to a homeowners policy for homes in low to moderate flood zones, covers additional living expenses among other things. Ask the adjuster whether that endorsement is on your policy if water, not wind, put you out of the house.
- Open the claim and ask two questions. Does the claim include Additional Living Expenses, and what are the limit in dollars and the time period on your declarations page? Ask your Auto-Owners adjuster to confirm both in writing.
- Say what housing you want. Tell your Auto-Owners adjuster you want a furnished travel trailer on your own property as your temporary housing, and ask what they need from the provider to approve it.
- Call us or send the request form. We ask for the property address, how many people and pets need a place to sleep, the claim number, and the adjuster’s contact. Before anything is delivered we confirm the local rule on a temporary RV at your address; if a trailer on your lot is not the right fit for the property, we will tell you.
- We send the written terms to the adjuster. The unit, the monthly rate, delivery and setup, and utility connections, so the approved cost is clear before delivery.
- Direct billing where the claim covers it. On a covered claim we bill Auto-Owners directly under Additional Living Expenses, tracked against your limit, with site conditions documented at setup and again at takedown. That is $0 out of pocket for your family on a covered claim, and one named contact from the first call to pickup.
- Already with a temporary housing company? We work with any temporary housing company. Ask the company handling your housing to place you with 1st Choice Living for a trailer on your own lot, and the billing runs the way their program is set up.
The full walkthrough of a placement is on on-site RV housing. If Auto-Owners pays you back rather than paying a provider, our guide to arranging your own temporary housing covers the questions to ask before you commit to anything.
Have a Auto-Owners claim open?
Call or send the request form with your claim number, your adjuster’s contact, and the property address. We confirm the local rules and send the written terms to your adjuster.
Hurricane Isaias and an Auto-Owners claim
If Hurricane Isaias made your home unlivable in Alabama, Mississippi, or the Florida Panhandle and your policy is with Auto-Owners, your declarations and policy booklet, not auto-owners.com, show the limit and any time period, and the Inland Flood Coverage line above is the one to ask about if flood water as well as wind did the damage. Our Hurricane Isaias page has the storm facts with official sources, how each state's insurance department explains Additional Living Expenses, Florida's temporary shelter law, and the local rule on an RV on your lot for every city and county we cover.
- Temporary housing after Hurricane Isaias
- Hurricane Isaias RV rules by county
- After a storm, after a house fire, and after a flood
Other carriers
Same questions, each carrier’s own words: State Farm, Allstate, USAA, Farmers, Erie, Liberty Mutual and Safeco, American Family, Travelers, Chubb, Nationwide. All eleven side by side: loss of use coverage by insurance carrier.
Questions homeowners with Auto-Owners claims ask
What does Auto-Owners call loss of use coverage?
Additional Living Expenses. auto-owners.com lists it among its homeowners coverages and says it pays for expenses if you are unable to stay in your home after a covered loss, such as the cost of a hotel stay and food. The pages do not give it a coverage letter.
How long does Auto-Owners pay additional living expenses?
Auto-Owners does not publish a number of months or a dollar limit on the pages we read. Your policy booklet and declarations page show the limit and any time period that apply to you; ask your agent or adjuster for them.
Why does this page not quote the Auto-Owners policy form?
Because Auto-Owners does not publish it, and we did not find a copy posted by a state insurance department. Every statement on this page is quoted from auto-owners.com, whose coverages page says its content is superseded in all respects by the policy. For carriers whose forms are public, such as State Farm, Allstate, USAA, Farmers, Liberty Mutual, Travelers, American Family, and Chubb, our pages quote the form itself.
Does Auto-Owners pay additional living expenses after a flood?
Only what your policy says. auto-owners.com says its optional Inland Flood Coverage, which can be added to a homeowners policy for homes in low to moderate flood zones, covers the home, contents, debris removal, additional living expenses, and the cost to move covered property to safety. Ask your adjuster whether that endorsement is on your policy.
Will Auto-Owners pay for a travel trailer on my own property?
That is your Auto-Owners adjuster's decision. auto-owners.com describes the coverage as paying expenses if you are unable to stay in your home after a covered loss, with a hotel stay and food as its examples, and does not name one type of housing as the only option. We send the written terms for the trailer to your adjuster, and on a covered claim we bill Auto-Owners directly under Additional Living Expenses, tracked against your limit. 1st Choice Living is independent and not affiliated with Auto-Owners Insurance.
Stay on your lot while the house is repaired
One named contact, local rules checked before delivery, direct billing to Auto-Owners where the claim covers it.
Adjuster or housing company? Send a placement.
Sources (checked October 15, 2026)
- auto-owners.com: Homeowners Coverages (Additional Living Expenses, Inland Flood Coverage): https://www.auto-owners.com/insurance/homeowners/coverages
- auto-owners.com: Homeowners Insurance: https://www.auto-owners.com/insurance/homeowners