A tornado, a wildfire, or an ice storm can make an Oklahoma home unlivable in an afternoon, and the rebuild takes much longer. 1st Choice Living places furnished travel trailers on the homeowner's own property during an insurance claim, so your family can stay on your land, close to school, work, and livestock or pets, while the house is repaired. We have done this nationwide since 2004. We have set up housing in Ada, Ardmore, Bartlesville, Broken Arrow, Broken Bow, Edmond, Enid, Guthrie, Lawton, Moore, Norman, Oklahoma City, Poteau, Shawnee, Tulsa, Woodward, and many other Oklahoma communities.
Tornadoes, hail, wildfire, and ice
The National Weather Service office in Norman records an average of 59.4 tornadoes a year in Oklahoma since 1950, with May the busiest month. Multiple significant tornadoes struck in May 2013 and May 2015. In May 2010, a supercell near Oklahoma City dropped hail larger than baseball size.
Wildfire is a real risk. In March 2025, wildfires and high winds hit central Oklahoma, and FEMA Individual Assistance was approved for Cleveland, Creek, Lincoln, Logan, Oklahoma, Pawnee, and Payne counties. Winter brings ice: ice storms in 2009 and 2014 caused widespread damage across Oklahoma.
How the Oklahoma Insurance Department explains ALE
The Oklahoma Insurance Department explains that Additional Living Expenses cover temporary living expenses while you rebuild, and the ALE amount is usually 25 percent of the dwelling amount. It needs direct physical loss at your home before carriers consider ALE, so an off-premises power outage alone usually is not enough.
How a trailer on your lot works with your ALE
We bill your carrier directly under ALE, so on a covered claim you pay $0 out of pocket. We track your placement against your ALE limit, and you have one named contact from start to finish. Our furnished trailers sleep 2 to 10, are delivered and leveled on your property—whether city lot or acreage—and utilities are connected by licensed contractors. We document conditions at setup and takedown.
Local rules in Oklahoma are set by your city or county
We did not find a single statewide Oklahoma rule on living in a travel trailer on your own lot while you rebuild. It is handled by your city or county, and rules in town can be very different from rules in the country. We check local requirements before delivery.
Frequently asked questions
Will my Oklahoma homeowners policy pay for a trailer on my property?
The Oklahoma Insurance Department explains that ALE covers temporary living expenses of a separate residence while you rebuild, above your normal costs, after a covered loss at your home. Your carrier and adjuster decide what is approved. We bill the carrier directly, so a covered claim is $0 out of pocket for you.
The ice storm knocked out my power, but the house is fine. Does ALE apply?
Hotel costs from an off-premises power outage generally are not covered unless there is a covered loss that makes your home unlivable. Call your agent to confirm what your policy says.
Do I need a permit to live in a trailer on my land in Oklahoma?
It depends on your city or county. We did not find a statewide rule. We check local requirements before delivery.
Get started
Send us your claim number, your adjuster's contact, and the property address. We confirm local rules, stage a unit near you, and set it up on your property.
Want the details on placement first? Read about on-site RV housing.