Erie Loss of Use Coverage: 12 Months Standard, 24 With the Plus or Select Bundle

    By Mike Wojciak, founder, Agile RV Housing

    Published September 16, 2026. Last updated October 26, 2026.

    Erie says standard ErieSecure Home policies include Additional Living Expenses with a 12 month ceiling, paying your reasonable extra cost of living somewhere else while the house is repaired, and an RV on your own property is housing you can ask your adjuster to approve under that coverage. Upgrade to the Plus or Select ErieSecure Home Bundle and Erie raises the ceiling to 24 months. Erie doesn't name the entry Advantage bundle in that upgrade.

    So the first question on an Erie claim is which bundle you bought. The second is whether your contractor can finish inside that window.

    Agile RV Housing is an independent temporary housing provider, not affiliated with Erie Insurance. For the estimate and billing steps we follow with every insurer, see how Agile works with insurance carriers.

    Does my ErieSecure Home bundle give me 12 months of living expenses or 24?

    It depends on the bundle, not on having one. Erie sells three ErieSecure Home Bundles: Advantage, Plus and Select. Erie's statement on 24 months of Additional Living Expenses names only Plus and Select, and Erie's 2018 New York rules manual lists the 24 month extension under the Plus and Select endorsements, not under Advantage.

    Erie calls Advantage "Our base bundle" and Select "Our top bundle." A homeowner who says "I have the Erie bundle" may be holding the one that leaves the clock at 12 months.

    The same New York rules extend Fair Rental Value, a separate piece of Erie's loss of use coverage, to 24 months under Plus and Select as well.

    Erie sells through local agents, and that works in your favor here. One call gets you the bundle name. Ask for it in writing.

    If the claim isn't open yet, Erie takes new claims at (800) 367-3743 (choose option 4) or through your local ERIE agent. Erie's claims page lists the online account and mobile app routes too.

    Why is the clock the limit that matters on an Erie claim?

    In Erie's 2018 New York rules manual, the base ErieSecure Home policy sets loss of use as "Actual Loss Sustained within 12 months," with no dollar amount and no percentage of the dwelling limit attached. Read plainly, Erie pays the actual extra cost you incur, and the calendar, not a dollar pot, is the cap.

    The same manual says no deductible applies to Loss of Use Coverage. Both points are New York terms from 2018. Erie's consumer site doesn't say how the coverage is set in other states today, so your agent is the one to confirm it for your policy.

    That changes how to think about cost. On a time-capped policy, a cheaper place to live doesn't buy extra months. It buys a nightly rate your adjuster can approve as reasonable, and it keeps the household at home: same school, same commute, and someone on site when the contractor has a question.

    Size the comparison to your family. A household of five needs two hotel rooms, and two rooms at typical ALE-approved rates pass $140 a night before meals, pet fees and laundry. One RV sized to that household is $120 to $140 a night, tax included.

    Delivery and setup are quoted separately for each property. The full side by side is in our temporary housing cost comparison.

    The RV is your choice to make, as long as it's reasonable and your adjuster approves it in writing before move-in. Here's how choosing your own temporary housing works. When you want a written estimate to hand your adjuster, send us your claim details.

    Does a flood claim change how long Erie pays living expenses?

    It can. Erie's optional Extended Water coverage includes "additional living costs associated with temporarily relocating while your home is being restored." Erie's footnote then adds a condition that matters for housing: "The cause of the flood, as determined by ERIE, may impact the duration for which living expenses are paid after covered event."

    The same footnote says this living expense is "subject to terms, conditions, sub-limits and are limited in duration." Erie doesn't publish the sub-limit as a number. We won't guess one.

    On a water claim, don't build a housing plan around 12 or 24 months. Ask the adjuster, in writing, how long living expenses run on your file, and plan from that date.

    Our placements run 30 days minimum, then month to month, so the RV can follow whatever period the adjuster confirms. The average placement runs about five months. Our guide to living in an RV on your property during a rebuild covers what daily life looks like.

    Where can you read Erie's actual loss of use terms?

    Not in a public policy form. We could not find the ErieSecure Home policy form on Erie's site or anywhere else public, so what we quote comes from Erie's own published pages and a 2018 New York rules manual Erie filed with state regulators. Your own policy documents, through your ERIE agent, govern your claim.

    Erie's blog describes the coverage this way:

    "Additional Living Expenses offers coverage for your reasonable additional expenses from needing to reside somewhere else while the home is repaired."

    Another Erie article says loss of use coverage "can reimburse you for hotel costs or apartment rental if your home is a total loss or becomes uninhabitable after a covered loss."

    The rules manual is a SERFF filing by Erie Insurance Company of New York, effective February 1, 2018. It covers rating rules, not the policy wording, and only New York. We read it through a copy republished by filingsdirect.com. It names the coverage "Loss of Use Coverage," with Additional Living Expenses and Fair Rental Value as its parts. We found no coverage letters anywhere in it.

    I'm Michael Wojciak, Agile's founder. I've spent ten years in RV rental and fleet operations. When an insurer's wording isn't public, I'd rather show the gap than fill it with another carrier's form. Read more about Agile RV Housing. For how loss of use works in general, read our guide to additional living expense coverage.

    Which states does Erie sell homeowners insurance in?

    Erie's insurers are licensed in the District of Columbia and 12 states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin. Erie is not licensed in California, Colorado, Louisiana, Texas or Florida, so living expense rules written for those states don't reach an Erie policy.

    New York is the only one of those states where Erie's rules manual was available for us to read. We place RVs in all 48 contiguous states, which covers every state on Erie's list.

    Questions Erie policyholders ask

    How long does Erie pay for additional living expenses?

    Erie says standard ErieSecure Home policies include Additional Living Expenses automatically, with a 12 month ceiling. The Plus and Select ErieSecure Home Bundles raise that ceiling to 24 months, and Erie's base Advantage bundle is not named in that upgrade. On a flood claim under Extended Water, Erie says the cause of the flood may affect the duration.

    Does Erie pay for an RV on my property during repairs?

    Erie's coverage pays reasonable additional expenses from living somewhere else while the home is repaired. Erie's pages name hotel costs and apartment rental as examples, and we found nothing from Erie on RVs either way. An RV on your own property is housing you can propose to your adjuster with a written estimate, then get approved in writing before move-in.

    Where do I find my Erie additional living expenses limit?

    Ask your local ERIE agent which ErieSecure Home bundle is on your policy and how long your living expense period runs. Erie's 2018 New York rules set loss of use as a time period, "Actual Loss Sustained within 12 months," rather than a dollar amount. So ask for a number of months and an end date, in writing.

    What is the difference between standard ErieSecure Home and the Select or Plus bundles for temporary housing?

    Time. Erie says standard ErieSecure Home policies carry 12 months of Additional Living Expenses, and the Select or Plus bundle raises that to 24 months. Erie's 2018 New York rules also extend Fair Rental Value to 24 months under Plus and Select. The Advantage bundle carries no living expense extension in those rules.

    Why doesn't this page quote the Erie policy form?

    We could not find the ErieSecure Home policy form published anywhere public. Rather than borrow another insurer's wording, Agile quotes Erie's own web pages and a 2018 New York rules manual Erie filed with regulators, and names the source of each fact. Your own Erie policy documents, available through your agent, control your claim.

    Will Erie pay Agile RV Housing directly?

    That's how most of our placements are paid, across insurers: the adjuster approves Agile's written estimate and pays Agile directly, so the family usually doesn't pay for the RV up front. We found nothing from Erie on how it routes temporary housing payments, so the adjuster on your Erie claim decides where payment goes.

    Are additional living expenses the same as loss of use with Erie?

    Yes. Erie uses both names. Its consumer pages say Additional Living Expenses, an Erie article says loss of use, and Erie's 2018 New York rules manual calls it Loss of Use Coverage, with Additional Living Expenses and Fair Rental Value as its parts. That filing uses no coverage letters, so Coverage D isn't Erie's label.

    Is my Erie additional living expenses limit enough?

    Measure it in months. Put the last day of your 12 or 24 month period next to your contractor's written schedule. If the repair finishes first, the clock fits. If the schedule runs past it, you know now instead of near the end, and you can plan housing around the real date. Call us and we'll talk it through with you.

    Can I choose my own temporary housing with Erie?

    Yes, as long as the choice is reasonable for your household and approved in writing first. Erie describes the coverage as paying your reasonable additional expenses from living somewhere else while the home is repaired. Pick a reasonable option, such as an RV on your property, and have your adjuster approve the housing and nightly rate before move-in.

    Sources

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    What's the first thing to do on an Erie claim?

    Ask your ERIE agent to confirm in writing which ErieSecure Home bundle is on your policy and the date your living expense period ends. Then lay that date beside your contractor's schedule. Those two dates show whether an RV on your property can carry your household from now until the house is ready.

    If the schedule fits, the next question is your lot, and that answer comes from your city or county, not from Erie. Run our free zoning check for your address, so the RV request reaches your adjuster with the zoning question already answered.

    We answer the phone 7 am to midnight Eastern, every day, at (850) 605-4922. Start with the free zoning check.

    Call (850) 605-4922. Answered 7am to midnight Eastern, every day.