A new Solution to Temporary Housing: On-Site Housing
- Jeremiah Camuso
- Aug 23
- 3 min read
Updated: Aug 25
When a disaster strikes—whether it’s a fire, flood, or storm—the stress of rebuilding is compounded by the question: where will we live in the meantime? For many homeowners, temporary housing means being displaced far from their property, schools, and community. That’s where on-site housing with travel trailers comes in: a solution that allows families to remain close to home while repairs are made.
While this option seems like common sense, there are unique challenges in making it happen—and one of the biggest hurdles comes from the insurance process.
Does Homeowners Insurance Cover On-Site RV Housing?
Most homeowners don’t realize that their insurance policy may already include coverage for this exact situation. A "loss of use" clause is designed to cover all reasonable living expenses while your home is being repaired. This includes hotel stays, rental homes, and—yes—even a travel trailer placed on your property.
Unfortunately, many insurance companies are unfamiliar with on-site RV housing as a covered option. That means homeowners often miss out on a solution that keeps them close to their property and community during a difficult time.
Because we’ve worked with several different insurance companies across a variety of claims, we know how to communicate effectively with adjusters and navigate the approval process. Every carrier operates a little differently, but our experience gives us the knowledge to speed things up, address concerns, and make sure policyholders receive the full benefit of their coverage.
Why Advocating for Policyholders Matters
Our most important role is advocating for homeowners and policyholders. We work directly with insurance companies to explain the benefits and feasibility of travel trailer housing. By educating adjusters and carriers, we ensure families get access to a solution that is often more affordable, practical, and comforting than alternatives miles away.
Common Challenges With On-Site RV and Trailer Housing
Providing this kind of temporary housing isn’t without obstacles:
Zoning and Permits: Local municipalities may have rules about parking a trailer on your property, even temporarily.
Insurance Approval: Convincing carriers that this option is covered under "loss of use" takes persistence and knowledge of policy language.
Logistics: Delivering, setting up, and maintaining a travel trailer for long-term living requires specialized service and ongoing support.
Awareness: Many homeowners don’t know they can request this option, so part of our job is spreading the word before disaster strikes.
The Benefits of On-Site RV Housing During Home Repairs
For families, the benefits outweigh the challenges. Staying close to your home allows you to oversee repairs, maintain daily routines, and keep a sense of stability. Our mission is to make sure every policyholder knows that this option exists—and that they have someone in their corner to make it happen.
Wether or not we end up providing you with a temporary home, we are always here to help!
Full-Service On-Site RV Housing Support
One of the things that sets us apart is that we don’t just drop off an RV—we provide all the services needed to make on-site housing truly comfortable and sustainable. This includes:
Waste Disposal Services - regular pumping and sanitation to keep everything running smoothly.
Propane Refills – ensuring heating, cooking, and hot water never run out.
Power Installations – setting up safe and reliable electrical connections so your RV is fully functional.
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