Allstate Additional Living Expense: How Long It Pays Depends on Your Policy Form
By Mike Wojciak, founder, Agile RV Housing
Published September 15, 2026. Last updated October 26, 2026.
On most Allstate homeowners forms, including House & Home AVP81 and Homeowners Policy APC220, Additional Living Expense pays the reasonable increase in your living costs, which can include an RV on your own property once your adjuster approves it, for the least of the repair time, the time to settle elsewhere after a permanent move, or 12 months. The form number printed on your Policy Declarations decides that clock: Virginia's AVP579 sets no month limit, the Nevada amendatory endorsement AVP319-1 sets 24 months, and Florida's forms also stop payment at 10% of your dwelling limit.
Agile RV Housing places furnished RVs on homeowners' own property during repairs. We are independent of Allstate, and the coverage decisions on your claim belong to your adjuster.
Which Allstate form is on your policy, and what clock does it carry?
Allstate does not write one homeowners form. Its state policy contracts page posts forms for 21 jurisdictions, and most of them, including House & Home AVP81 and Homeowners Policy APC220, end Additional Living Expense at 12 months. Virginia's AVP579 has no month cap, Nevada's AVP319-1 endorsement sets 24 months, and Florida's forms add a 10% dwelling cap.
| Form | Where it applies | Time limit | What the coverage is called | Source |
|---|---|---|---|---|
| House & Home AVP81 | Posted by Allstate for Arizona, Iowa, Illinois, Indiana, Minnesota, Missouri, Nebraska, Nevada, Oregon, Wisconsin | Least of repair time, time to settle elsewhere, or 12 months | Additional Living Expense, no coverage letter | AVP81 |
| Homeowners Policy APC220 | Posted by Allstate for District of Columbia, North Dakota, South Dakota, Wyoming | Least of repair time, time to settle elsewhere, or 12 months | Additional Living Expense, no coverage letter | APC220 |
| AVP91, AVP148, AVP1, AVP58, AVP128, APC276 | Posted by Allstate for Texas, Colorado, Oklahoma, Pennsylvania (two forms), Alaska | Least of repair time, time to settle elsewhere, or 12 months | Additional Living Expense, no coverage letter | Allstate state policy contracts |
| House & Home AVP579 | Posted by Allstate for Virginia | Shortest time to repair or replace, or to settle elsewhere; no month cap | Coverage D, Loss Of Use | AVP579 |
| Amendatory endorsement AVP319-1 (amends AVP81) | Nevada, on file with the Nevada Division of Insurance | Least of repair time, time to settle elsewhere, or 24 months | Additional Living Expense | AVP319-1 |
| AP4687, AP4688, AP4689 | Posted by Allstate for Florida | Least of repair time, time to settle elsewhere, 12 months, or 10% of the Coverage A dwelling limit | Additional Living Expense, no coverage letter | AP4687 to AP4689 |
Nevada needs a second look. Allstate's own contracts page posts only the AVP81 jacket for Nevada, and that jacket says 12 months. The AVP319-1 endorsement on file with the Nevada Division of Insurance, a document dated 2015, changes the same limb to 24. We could not confirm which edition is in force today, so a Nevada policyholder should ask the adjuster whether AVP319-1 is on the policy.
Virginia is the other outlier. AVP579 gives the protection a letter, Coverage D, and pays for the shortest time required to repair or replace the damaged property, or for a household that permanently relocates to settle elsewhere. No month count appears in that clause. The copy Allstate posts was created in October 2024 and carries a 2021 Insurance Services Office copyright, so it's a current form.
One label trips people up. On every Allstate form we read, Coverage C is personal property, so a Coverage C figure on your Declarations is your furniture and belongings, not your housing money. Our guide to additional living expense coverage explains the coverage itself, and our insurance carriers page shows how we handle an Allstate file, or any carrier's, from estimate to invoice.
What does Allstate treat as an uninhabitable home?
Allstate's claims FAQ says safety risks like "no water or electricity, or no access to your home" may make a house uninhabitable. The same FAQ lists "Hotels or temporary housing" as a covered expense and says your assigned adjuster makes the Additional Living Expense determination, so the adjuster applies that test to your specific house.
That definition fits the RV case well. A house can fail Allstate's test because the plumbing or wiring inside it is torn open while the lot still has room for a unit. The family stays beside the repair, the dog stays with the family, and the kids keep the same bus stop.
You pick the housing, provided the choice is reasonable for your household and your adjuster approves it in writing before anyone moves in. What counts as reasonable is laid out in choosing your own temporary housing, and daily life in a unit parked beside your house is covered in living in an RV on your property.
A separate two week benefit applies when civil, governmental or military authorities prohibit use of your home because of a loss at a neighboring premises. Every Allstate form we read ties that benefit to damage next door. None of them pays for an evacuation ordered purely as a precaution.
If the claim isn't open yet, Allstate takes it at 1-800-ALLSTATE (1-800-255-7828) or through its file or track a claim page. The adjuster assigned from there is the person who rules on housing.
How far does a 12 month Allstate limit stretch?
On most Allstate forms, two limits run at the same time: the 12 month clock, and a separate Additional Living Expense dollar line on your Policy Declarations, apart from the dwelling amount. Payment stops when either runs out, so a lower nightly housing cost leaves more of that dollar line for the final months of a long repair.
The clock carries a condition. AVP81 limits payment to "the time period required to repair or replace the property we cover, using due diligence and dispatch." Keep a dated list of every contractor call, bid request and permit filing, because that wording puts the pace of the repair on the record.
AVP81 also states that these periods "are not limited by the termination of this policy." On that form, a policy that ends after the loss does not cut the housing clock short.
Florida policyholders carry a third limit. AP4687, AP4688 and AP4689 stop payment at 10% of the Coverage A dwelling limit whenever that arrives before 12 months, which makes the nightly rate count for more there than anywhere else on Allstate paper.
On a capped file, the case for the RV is cost. A family of five in hotels needs two rooms, and two rooms at the rates adjusters commonly approve run past $140 a night before meals, pet fees and laundry. One of our units, sized to that household, is $120 to $140 a night, tax included. Delivery and setup are quoted separately for each property. The full math is in our temporary housing cost comparison.
Placements carry a 30 day minimum and then run month to month, and our average placement lasts about five months. On most placements the adjuster approves our written estimate and pays us directly, so your family usually does not pay for the RV up front. Move-in is about four days after approval, and the main variable is scheduling the electrical contractor. To get that estimate started for your adjuster, request information.
Does mold change what Allstate pays for housing?
Yes, on most Allstate forms. After a covered water loss, AVP81, APC220, AVP91 and the AP1290 endorsement cap mold, fungus, wet rot and dry rot remediation at $5,000, and that cap includes living expenses when mold makes the home uninhabitable. Alaska's APC276 and Florida's AP4687 use a $10,000 remediation cap instead.
The common case is mold in a ceiling after a slow pipe leak. AVP81 says living expense due to mold remediation is not paid in addition to that remediation amount, and remediation includes the testing. Testing, tear-out and the nights away from home all draw on one small number.
The water damage is a separate question from the mold. Ask your adjuster to note on the file whether the move-out comes from the covered water loss or from the mold, because AVP81 handles living expense differently in each case.
Is there a deductible on Allstate additional living expense?
Not on most Allstate forms. AVP81, APC220, Florida's AP4687 and the AP1290 endorsement each state "No deductible applies to this protection" for Additional Living Expense. Virginia's AVP579 has no matching sentence for Coverage D, so a Virginia policyholder should ask the adjuster how any deductible is handled on the housing portion of the claim.
On the forms that carry that sentence, no deductible comes out of an approved housing estimate before it's paid.
Questions Allstate policyholders ask
How long does Allstate pay for temporary housing?
On House & Home AVP81, Homeowners Policy APC220 and most other forms Allstate posts, Additional Living Expense ends at the earliest of the repair time, the time to settle elsewhere after a permanent move, or 12 months. Virginia's AVP579 sets no month cap. Nevada's AVP319-1 endorsement sets 24 months, and Florida's forms also stop at 10% of the dwelling limit.
Does Allstate pay for an RV while my house is being repaired?
It can. No Allstate form we read names or excludes a type of housing, and Allstate's claims FAQ lists "Hotels or temporary housing" as a covered expense. Your assigned adjuster makes the Additional Living Expense determination, so put the RV request and a written estimate in front of that adjuster before anyone moves in.
What coverage letter is additional living expense on an Allstate policy?
On most Allstate forms, none. AVP81, APC220 and the Florida forms list Additional Living Expense under Additional Protection without a letter, and Coverage C is personal property. Virginia's AVP579 is the exception: it files the same protection as Coverage D, Loss Of Use, alongside fair rental value and the civil authority benefit.
Does Allstate pay additional living expense for a mold problem?
Only inside the mold remediation limit, not on top of it. On AVP81, APC220, AVP91 and AP1290, a single $5,000 remediation amount pays for testing, removal and any living expense caused by mold making the home uninhabitable. Alaska's APC276 and Florida's AP4687 raise that remediation amount to $10,000.
Where do I find my Allstate additional living expense limit?
On your Allstate Policy Declarations, as its own dollar line for Additional Living Expense, separate from the dwelling amount. AVP81 calls it the Limit Of Liability for Additional Living Expense. The form number printed on the same Declarations tells you which time limit applies, and your agent or adjuster can read both figures to you.
Is there a deductible on Allstate additional living expense?
Not on most Allstate paper. The Additional Living Expense sections of AVP81, APC220, Florida's AP4687 and the AP1290 endorsement all read "No deductible applies to this protection." Virginia's AVP579 is different: its Coverage D section has no such sentence, so a Virginia homeowner should ask the adjuster before assuming the housing is paid deductible free.
Is Allstate additional living expense the same as loss of use?
Yes. Allstate's Virginia form AVP579 calls the protection Coverage D, Loss Of Use, and lists Additional Living Expense as its first part. Allstate's other posted forms use the name Additional Living Expense under Additional Protection, with no letter. Both names describe the payment for the extra cost of living elsewhere while the home is uninhabitable.
How much can I spend on temporary housing with Allstate?
The dollar amount shown for Additional Living Expense on your Policy Declarations, spent on a reasonable increase over your normal living costs. Florida's forms also stop at 10% of the dwelling limit. Allstate says an Extended Protection Amendatory Endorsement can raise additional living expense limits, so ask whether your policy carries one before you plan housing.
Can I choose my own temporary housing with Allstate?
Yes, when the choice is reasonable for your household. Allstate's forms pay the reasonable increase needed to keep your normal standard of living and name no required housing type. Get the housing and the nightly rate approved in writing by your adjuster before you move in, and save every receipt, as Allstate's catastrophe claims page asks.
Sources
- Allstate, Policy contract by state (state policy contracts). Checked 2026-10-26.
- Allstate House & Home Policy AVP81 (Allstate Vehicle and Property Insurance Company), Allstate-hosted. Checked 2026-10-26.
- Allstate House & Home Policy AVP579, Virginia. Checked 2026-10-26.
- Allstate Homeowners Policy Special AP4687, Florida. (Broad AP4688 and Basic AP4689 are posted on the same Allstate page). Checked 2026-10-26.
- Allstate Homeowners Policy APC220. Checked 2026-10-26.
- Allstate Homeowners Policy APC276, Alaska. Checked 2026-10-26.
- Allstate House & Home AVP91, Texas. Checked 2026-10-26.
- Allstate Deluxe and Deluxe Plus Homeowners Amendatory Endorsement AP1290, Nevada Division of Insurance. Checked 2026-10-26.
- Allstate Nevada Amendatory Endorsement AVP319-1 (House & Home), Nevada Division of Insurance. Checked 2026-10-26.
- Allstate, Claims Frequently Asked Questions. Checked 2026-10-26.
- Allstate, Catastrophe claims. Checked 2026-10-26.
- Allstate, File or track a claim. Checked 2026-10-26.
- Allstate, What is an extended protection amendatory endorsement? Checked 2026-10-26.
Policy forms vary by state and are revised over time. Your own Policy Declarations and the form issued to you control your claim. Nothing here is legal advice or a coverage determination.
What should you check before asking Allstate for an RV?
Find the form number printed on your Allstate Policy Declarations: AVP81, APC220, AVP579 or another. Ask your assigned adjuster which time limit that form carries and what the Additional Living Expense line allows. Write both answers down with the date and the adjuster's name, because every housing decision on the claim runs against those two numbers.
I'm Michael Wojciak, Agile's founder, with ten years in RV rental and fleet operations. Our phones are answered 7 am to midnight Eastern, every day, at (850) 605-4922.
Before you raise the RV with your adjuster, run our free zoning check for your address, so you know a unit can sit on your lot before you ask for one.
Call (850) 605-4922. Answered 7am to midnight Eastern, every day.