Moving From a Hotel or a Relative's House to an RV on Your Own Lot

    By Michael Wojciak, founder, Agile RV Housing

    You can ask your adjuster to switch your temporary housing from a hotel, or from a relative's house, to an RV on your own property partway through your claim. Loss of Use (Coverage D, also called Additional Living Expense) pays for housing that lets your household keep its normal standard of living, and your adjuster approves the change. You choose who provides your temporary housing. Agile RV Housing sets up a fully equipped RV on your lot for insured homeowners, with a kitchen and separate sleeping space, in all 48 contiguous states. Delivery is about four days from approval to move-in. The rate is $120 to $140 a night, tax included. Delivery and setup are priced separately for each property.

    Call (850) 605-4922

    Can you switch temporary housing during an insurance claim?

    Yes, you can ask to. Your adjuster, or the temporary housing agency handling your claim, approves the change. Families often ask once it's clear the repairs will take months, because a hotel that worked for the first two weeks gets harder with kids in school, pets and no kitchen.

    Tell your adjuster you want an RV placed on your own property, and ask for the approval in writing. Give them our number so we can send the written quote they usually need. You choose who provides your temporary housing. Your insurer or its housing agency may suggest a provider, and the choice stays yours (choosing your temporary housing).

    If your family is still at home and repairs are about to start, see moving out during home repairs.

    Does loss of use pay for an RV instead of a hotel?

    Often, yes. The standard homeowners form covers any necessary increase in living expenses so that your household can maintain its normal standard of living (HO 00 03 Coverage D wording, PropertyCasualty360). An RV on your own lot is commonly approved as that housing even when it is not the first option offered, and you can ask for it. United Policyholders, a nonprofit for insurance consumers, says insurers have not been offering trailers or motor homes as an option but should (United Policyholders).

    Is an RV cheaper than a hotel against your ALE limit?

    Yes, for most families. One Agile RV Housing unit at $120 to $140 a night, tax included, sleeps a family of up to five. In hotels that family needs two rooms, and two rooms at typical ALE-approved rates cost more than $140 a night before meals, pet fees and laundry.

    Every night of either one comes out of the same Loss of Use limit, and that limit has to last until the house is finished. With your own kitchen, the family eats fewer restaurant meals too. See what RV housing costs.

    Does additional living expense cover staying with family?

    Loss of Use pays the increase in your living costs, so what it covers while you stay with family depends on what that stay actually adds, and your adjuster decides. Many families start with relatives because it's fast, then look for their own space when the repairs run past a few weeks.

    Moving to an RV on your own lot gives your household its own kitchen, bathroom and sleeping space again, and puts you next to the work. Ask your adjuster to approve the move before you leave your relatives' house.

    How do you move from a hotel to an RV on your lot?

    1. You call us. We take down your insurer or housing agency, your claim number and the property address.
    2. We check the property: where a unit can sit, how it gets in, and how power, water and sewer connect. We check your local rules too, and our free zoning check is a good place to start.
    3. Your adjuster or housing agency approves the RV, usually from our written quote and your contractor's repair timeline.
    4. A licensed electrical contractor installs the power, and we deliver, level and connect the unit. Delivery is about four days from approval to move-in.
    5. You keep the hotel until move-in day, so there is no night without a place to stay.

    Our minimum stay is 30 days, then month to month with no maximum, and most families stay about five months.

    Hotels near Pensacola after Hurricane Isaias

    After Isaias made landfall near Destin on October 9, 2026, Florida Power and Light brought 17,000 line workers from 29 states to restore power in Northwest Florida. On October 23, a 64-room Pensacola hotel told WEAR News it had been sold out since the storm, mostly to line workers and recovery crews, and expected to stay that way for about another month (WEAR News).

    A displaced family looking for rooms near home is competing with those crews. An RV on your own lot in Pensacola, Milton, Pace, Navarre or Gulf Breeze means you don't have to find a room at all. See our pages for Pensacola and Navarre, Milton, Pace and Gulf Breeze.

    How we have done this

    Our founder, Michael Wojciak, has spent 10 years in RV rental and fleet operations. We are a preferred vendor with the national temporary housing agencies, including ALE Solutions, Alacrity, Sedgwick, CRS, and National Corporate Housing, and we work with all of them. Delivery is about four days from approval to move-in, and a licensed electrical contractor installs the power on every placement.

    Ready to leave the hotel? Call us.

    We'll check your property and your local rules, and send your adjuster the written quote they need.

    Call (850) 605-4922

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    Frequently asked questions

    Can I move out of a hotel into an RV during my insurance claim?

    Yes, you can ask your adjuster to approve it. Loss of Use pays for housing that keeps your household's normal standard of living, and an RV on your own lot is commonly approved as that housing. Ask for the approval in writing before you move.

    When do I check out of the hotel?

    On the day you move into the RV. We schedule delivery and setup with you, so there is no gap between the two.

    Do I need my adjuster's approval before I switch?

    Yes. Ask for the approval in writing before you move, and give your adjuster our number so we can send the written quote.

    What if the housing agency suggests a different provider?

    You choose who provides your temporary housing. Your insurer or its housing agency may suggest a provider, and the choice stays yours. Agile RV Housing is a preferred vendor with the national temporary housing agencies, including ALE Solutions, Alacrity, Sedgwick, CRS and National Corporate Housing, so you can ask for us by name.

    Can my pets live in the RV?

    Yes. Pets are welcome in Agile RV Housing units.

    How long can we stay in the RV?

    The minimum stay is 30 days, then month to month with no maximum. Most families stay about five months, so the housing lasts as long as your repairs do.

    Sources

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