Progressive Loss of Use Coverage: Coverage D on the ASI Form, and a Trailer on Your Own Lot

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 Progressive 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.

Progressive loss of use at a glance

Every carrier side by side: loss of use coverage by insurance carrier.

What the ASI policy form says

Progressive does not post a homeowners policy form on progressive.com, but the Oklahoma Insurance Department posts the forms of American Strategic Insurance Corp., the company progressive.com calls ASI, one of the insurers in Progressive's network and part of its family of companies. We read the Homeowners Special Policy, ASI HOS OK 08 24, and the Homeowners Protection Policy, ASI HOH OK 08 24. The Coverage D wording is the same in both. Progressive Home policies are also placed with insurers that are not affiliated with Progressive, and ASI's forms are state specific, so the form on your policy may read differently. Your declarations page names the insurer that wrote your policy and shows your own Coverage D limit.

“The Coverage D limit of liability shown in the Declarations is the total limit of liability for all coverages within Coverage D. This limit applies on an aggregate basis for Additional Living Expense and Civil Authority Prohibits Use.”

“Additional Living Expense. If a loss by a Peril Insured Against causes the "residence premises" to become uninhabitable, we will cover any necessary increase in living expenses you incur to maintain your normal household standard of living. Payment will be for the shortest time required to repair or replace the premises or permanently settle your household elsewhere.”

“Civil Authority Prohibits Use. If a civil authority prohibits your use of the "residence premises" as a result of direct damage to a neighboring premise by a Peril Insured Against, we will cover, pursuant to the above provisions, any Additional Living Expense loss that you incur. Coverage is for a period of no more than two weeks while use is prohibited.”

“The periods of time under Additional Living Expense and Civil Authority Prohibits Use above are not limited by expiration of this policy.”

“Unless otherwise noted in this policy, all losses covered under Section I are subject to the applicable deductible amount shown in the Declarations.”

What Progressive says on its own website

“Loss of use coverage is typically included in standard homeowners, condo, or renters policies and may pay for your hotel/living and meal expenses if you're unable to live in your home due to something your home insurance covers. Also known as Coverage D, loss of use coverage pays for living expenses above what you would normally spend.”

“Loss of use coverage on home insurance policies typically offer 10% or 20% of your dwelling coverage.”

“At ASI, one of the insurers in Progressive's network and part of our family of companies, you're covered up to 40% of your personal property limit.”

“Check your limits: Some insurers only offer loss of use coverage for a certain amount of time after a covered loss. This may depend on your state, so check with your insurer to see if any time limits apply.”

“Keep receipts for all your additional living expenses: Your insurer typically requires you to submit copies of your receipts for review prior to issuing a reimbursement check.”

“Progressive Home® policies are placed through Progressive Advantage Agency, Inc. with insurers affiliated with Progressive and with unaffiliated insurers. Each insurer is solely responsible for the claims on its policies and pays PAA for policies sold.”

A trailer on your own lot as your Additional Living Expense 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 the adjuster on your Progressive Home claim. Here is how that approval usually comes together.

progressive.com says each insurer that writes Progressive Home policies is solely responsible for the claims on its policies. So start with the insurer named on your declarations page. If it is ASI, the form we read pays for the shortest time required to repair, replace, or settle elsewhere, with no month figure, and the Coverage D limit is the cap. If it is another insurer, ask the adjuster for that insurer's limit and time period.

The ASI form lists receipts for additional living expenses incurred in the sworn proof of loss it asks for, and progressive.com says your insurer typically requires copies of your receipts before issuing a reimbursement check. Put the trailer's written terms in front of the adjuster so the approved cost is clear before delivery.

1. Open the claim and ask two questions. Does the claim include Additional Living Expense, and what are the limit in dollars and the time period on your declarations page? Ask the adjuster on your Progressive Home claim to confirm both in writing.
2. Say what housing you want. Tell the adjuster on your Progressive Home claim 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.
3. 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.
4. 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.
5. Direct billing where the claim covers it. On a covered claim we bill the insurer that wrote your policy directly under Additional Living Expense, 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.
6. 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 Progressive 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.

Hurricane Isaias and a Progressive Home claim

If Hurricane Isaias made your home unlivable in Alabama, Mississippi, or the Florida Panhandle and you have a Progressive Home policy, the first question is which insurer wrote it, since progressive.com says those policies are placed with affiliated and unaffiliated insurers. Your declarations page names the insurer and shows the loss of use limit. 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, Auto-Owners, Citizens Property Insurance, Shelter, Amica. All fifteen side by side: loss of use coverage by insurance carrier.

Questions homeowners with Progressive claims ask