American Family Loss of Use Coverage: 20% of Your Dwelling Limit, No Month Cap

    Published October 7, 2026. Last updated October 26, 2026.

    American Family's current homeowners form, HO 80 03 01 14, pays the increase in your living costs after a covered loss, which can include an RV on your own property once your adjuster approves it, for "the shortest time required" to repair or replace, with no month cap. The ceiling is your Coverage D dollar limit, which American Family's website puts at 20% of your dwelling coverage, with an option to raise it to 30%.

    The form names no housing type. What can end your housing early is the dollar figure, not a date. You can estimate that figure yourself from your declarations page before the adjuster calls back.

    You pick the housing, as long as it's reasonable for your household and approved in writing first. More on that standard: choosing your own reasonable temporary housing.

    How do you work out your American Family housing budget?

    Multiply the dwelling limit on your declarations page by 20%, or by 30% if you bought the higher option. American Family's own example: a $200,000 dwelling at 20% gives $40,000. That single Coverage D figure has to carry your housing and every other added cost until the repair is finished, because the current form sets no month limit.

    The percentage comes from American Family's website. The policy form gives no percentage at all. It points back to your declarations:

    The Coverage D limit shown in the Declarations is the total limit for all coverage in D.1. and D.2. below.

    D.1 is additional living expense. D.2 is the civil authority part. They share one pot, so anything paid under a civil authority order comes out of the same figure your repairs will draw on later. If the declarations show a Coverage D number that differs from your 20% math, the declarations number wins.

    Hold that figure against your contractor's finish date

    Ask your contractor for an estimated finish date in writing. Count the months between now and then, and divide your Coverage D figure by that count.

    That gives you a monthly budget for everything the claim adds. Housing, extra groceries, laundry, utilities, mileage, pet boarding, storage. It all draws from the same number.

    Under this form, a slow rebuild doesn't cut you off on a calendar date. Running out of dollars does, so the nightly cost of where your family sleeps decides how far the limit stretches.

    Where an RV lands in that budget

    Our units are sized to the household. A family 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 unit is $120 to $140 a night, tax included.

    Delivery and setup are quoted separately for each property, never folded into the nightly rate. Before we quote, run your address through our free zoning check.

    Placements start with a 30 day minimum and go month to month after that. They average about five months. When your contractor's date moves, the RV stays on the same month to month footing.

    For hotel, rental and RV costs side by side, see temporary housing costs compared by region.

    Is there a deductible on Coverage D?

    In Nevada, endorsement HO 81 35 01 15 adds one line to Coverage D: "No deductible applies to this Coverage." The base form doesn't carry that line. American Family's website says the deductible question "depends on your policy." Outside Nevada, get the answer from your adjuster before you count on it.

    Is your American Family policy on the current form, an older one, or a Homesite form?

    The company name and form numbers on your declarations page decide it. American Family Insurance Company with HO 80 03 01 14 is the form with no month cap. American Family Mutual with HO-3 or HO-5 (NV) Ed. 6/94 is an older 1994 form with a 12 month limit. Homesite Insurance Company with HO 00 03 is the standard ISO form.

    The 1994 American Family Mutual forms

    Nevada's insurance division still posts two older American Family Mutual forms from 1994. HO-3 (NV) Ed. 6/94 is titled Special Form 3. HO-5 (NV) Ed. 6/94 is the Gold Star Special Deluxe Form. Only the HO-5 carries the Gold Star name.

    Both 1994 forms move the letters. Loss of use is Coverage C. Coverage D is personal liability. If you're reading Coverage D on a 1994 form's declarations page to find your housing money, you're on the wrong line.

    They also carry a clock the current form doesn't:

    The limit for Coverage C is the actual loss incurred by you within 12 months following the date of loss for all the following coverages.

    That wording has no dollar figure. Twelve months is the limit. Costs you incur after month 12 fall outside it, so a long rebuild on a 1994 policy needs its housing planned against that date from the start.

    Homesite policies in the American Family group

    Nevada's listing for the American Family Insurance Group also includes Homesite Insurance Company, which files the ISO form HO 00 03 05 11. Its Coverage D has three parts: additional living expense, fair rental value, and civil authority.

    American Family's own HO 80 03 has two parts and no fair rental value. Homesite's form sets no month cap either. It pays for the shortest time required to repair or replace the damage, or for your household to settle elsewhere.

    Which states this applies in

    American Family's website lists homeowners coverage in 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin.

    Every form quoted on this page is a Nevada specimen. Your state's edition and endorsements govern your claim, which is one more reason to read the form numbers printed on your own declarations.

    What paperwork does American Family need for your housing costs?

    A signed, sworn proof of loss, due within 60 days after American Family asks for it, and it has to include receipts for additional living expense you incur while living elsewhere. American Family's website says these costs are usually reimbursed, so keep records of your normal monthly bills next to receipts for everything above them.

    The form lists that receipt requirement as item 8 of the proof of loss:

    receipts for any costs you incur for additional living expense while residing elsewhere;

    Under the same form, loss is payable 60 days after American Family receives a properly completed proof of loss and the amount is settled by agreement or judgment. Start the receipt file the first night you're out of the house.

    What the receipts get measured against

    American Family's website names what it treats as covered: added laundry costs, added utilities, additional transportation fees, increased food and parking costs, moving costs, pet boarding, storage rental, and temporary living arrangements such as a hotel.

    It names what isn't: rent or mortgage on your permanent home, expenses you already had (a phone bill, for example), and fees for canceling a lease or mortgage.

    Where the RV fits in that file

    The housing is usually the simplest line. We send an itemized invoice, and on most of our placements the adjuster approves our written estimate and pays us directly. Your family usually isn't fronting the RV and waiting on a check.

    The receipts you keep are for the rest of the list. Groceries above your normal bill. Extra miles. How we set up estimates and billing with any insurer, American Family included, is laid out in our guide to working with insurance carriers.

    If the claim isn't open yet, American Family takes claims around the clock at 1-800-MYAMFAM (1-800-692-6326) or online through its file a claim page.

    Does American Family pay if you are ordered out before your home is damaged?

    The current form can, for no more than two weeks. Coverage D.2 applies when a civil authority bars you from your home because of possible direct damage to it from a covered loss. Payment follows the additional living expense rules and comes out of the same Coverage D limit. American Family says evacuation coverage depends on your policy, state and circumstances.

    The exact wording in HO 80 03 01 14:

    This Coverage applies when a civil authority prohibits you from use of the residence premises because of possible direct damage to the residence premises by a loss that would be covered by this policy. We then pay you as specified under Coverage D.1. above. However, payment will be for no more than two weeks.

    The trigger is possible damage to your own home. The 1994 forms and the Homesite ISO form read differently. They pay when actual direct damage to neighboring premises by an insured peril leads to the order, and they also stop at two weeks.

    If the house does take damage and becomes unfit to live in, D.1 is the part written for that, and its clock is the repair, not two weeks. An RV placement runs 30 days at minimum, so the RV conversation starts once there's damage and a repair schedule to plan around. For how loss of use works across carriers in general, see our guide to ALE coverage.

    Questions American Family policyholders ask

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

    Yes. American Family's current homeowners form calls the coverage Coverage D, Loss of Use, and names the housing part D.1, Additional Living Expense. Its website uses loss of use and additional living expenses for the same coverage. On the 1994 forms, the same coverage sits under Coverage C, so check the letter on your declarations page.

    How long does American Family pay for temporary housing?

    On form HO 80 03 01 14, for the shortest time required to repair or replace the damaged property, or to permanently relocate, with no month cap. Your Coverage D dollar limit is the real ceiling. The 1994 American Family Mutual forms differ: they cover actual loss incurred within 12 months following the date of loss.

    How much loss of use coverage does American Family give me?

    The amount shown for Coverage D on your declarations page. American Family's website says its homeowners policy sets loss of use at 20% of dwelling coverage, with an option to raise it to 30%. A $200,000 dwelling limit at 20% means $40,000, and that one figure covers additional living expense and civil authority together.

    Does American Family pay for an RV on my property during repairs?

    American Family's homeowners form pays the reasonable and necessary increase in living expense needed to keep your household's normal standard of living, and it names no housing type. An RV on your own property is judged by that same standard. Your adjuster approves it, and we send the written estimate the adjuster works from.

    Does American Family pay loss of use if I'm evacuated?

    American Family's form HO 80 03 01 14 pays for no more than two weeks when a civil authority prohibits use of your home because of possible direct damage to it from a loss the policy would cover. That payment comes out of your Coverage D limit. American Family's website says evacuation coverage depends on your policy, state and circumstances.

    Can I choose my own temporary housing with American Family?

    Yes, when the housing is reasonable for your household and your adjuster approves it in writing before you move in. American Family's homeowners form pays the reasonable and necessary increase in living expense and does not name a hotel, an apartment or any other housing type, so an RV on your own property meets the same test.

    Sources

    The policy forms above are specimens filed in Nevada. Agile RV Housing is an independent housing provider with no affiliation to American Family Insurance, and your adjuster makes the coverage decisions on your claim.

    Download the key facts on this page as a CSV

    What should you have in hand before you call us about your American Family claim?

    Two numbers. The Coverage D figure from your declarations page, and the finish date your contractor gave you. If the Coverage D line is hard to read, multiply your dwelling limit by 20% and use that as a working figure until you can confirm it.

    We check that a placement fits inside both the dollar limit and the repair timeline before anything is ordered. Phones are answered 7 am to midnight Eastern, every day.

    Call us at (850) 605-4922 with both numbers.

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