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Travel trailer set up on blocks beside a barn, with the delivery truck parked behind it
Rebuilding

Can I Put a Travel Trailer on My Property
While My House Is Rebuilt?

Usually, yes. In most places it is allowed as a temporary use tied to the rebuild, often through a temporary permit that runs with the building permit for the house. The decision belongs to your city, or your county outside city limits, and to your HOA if you have one. It is not ours, and it is not your adjuster’s.

Once you have the go-ahead, we deliver the trailer, level it, have the water, sewer, and power connected by licensed contractors, and service it while you live in it.

Who decides whether the trailer can stay

Get every yes you need before delivery day.

  • Your city. Zoning and the building department decide whether someone may live in a trailer on a residential lot, for how long, and on what conditions.
  • Your county, outside city limits. The county is the office to ask about rural property, especially about floodplain and septic rules.
  • Your HOA. Deed restrictions can rule a trailer out even where the city allows one.

If the rebuild is part of an insurance claim, your adjuster decides what the policy pays for. That is a separate question from whether the trailer is allowed on the lot.

How it usually goes

  1. Call the building or planning department. Ask whether a trailer may be lived in on your lot during the rebuild, which permit it needs, how long it may stay, and any rules for power, sewer, or placement.
  2. Tie it to the rebuild. Where allowed, the approval commonly runs with the building permit for the house and ends when the work is finished.
  3. Check the HOA. If you have one, get its answer in writing.
  4. Request the trailer. Answer the request form. A rep calls you back, confirms the site and the size, and sends a written quote.
  5. Delivery day. The driver walks the site with you, then the trailer is positioned, leveled, blocked, connected, and checked before the driver leaves.

Power, water, and sewer

A house under construction may not have power, water, and sewer all working. Water, sewer or septic, and electrical connections are completed by licensed, insured contractors from our preferred vendor network.

  • Power. If the house is torn down or its service is off, tell us on the call, so the power for the trailer is planned before delivery day.
  • Water. Usually the property’s own supply. We look at how far the trailer will sit from it.
  • Sewer, septic, or pump-out. A sewer or septic connection is the usual answer. Without one, the holding tanks have to be pumped out, and some cities do not allow that for a lived-in trailer. Ask yours.

Living on a holding tank takes a few habits. Our Help Center covers toilet and black tank care and winter freeze protection.

What we handle and what you handle

Temporary RV Living

  • The trailer, in a size that fits your household, pets included
  • Delivery, positioning, leveling, and blocking
  • Water, sewer or septic, and power, connected by licensed, insured contractors
  • Site conditions documented at setup and again at takedown
  • Scheduled service visits for the whole stay
  • Direct billing to a carrier, corporation, or TPA when one is paying
  • Pickup when the rebuild is done

You and your adjuster

  • Permission from the city or county, and from the HOA if you have one
  • Any permit the city or county requires for the trailer
  • A route in, and ground that is firm and close to level
  • Being there, or naming someone, on delivery day
  • Day-to-day care, like tank habits, between service visits
  • Your adjuster: what the policy covers, and for how long

The full delivery story is on delivery and setup, and daily life is on living in a travel trailer.

North Texas cities

We list a rule only when the city’s own code states it, with the link. None of the codes we checked says whether a travel trailer may be lived in on a residential lot during a rebuild, so the building or planning department has that answer. Checked October 9, 2026.

McKinney

The code bars parking a recreational vehicle between the house and the street from 7 p.m. to 7 a.m., allows one in a side or rear yard behind an opaque fence or wall, and lets the chief building official make exceptions for construction. It does not address living in one, so check with the building department.

Source: McKinney Code of Ordinances, Sec. 70-230

Allen

The code requires a recreational vehicle parked on a residential lot in public view to sit on a driveway or other improved surface. It does not address living in one, so check with the building department.

Source: Allen Code of Ordinances, Sec. 6-85

Plano

Check with the city’s building or planning department.

Frisco

Check with the city’s building or planning department.

Dallas

Check with the city’s building or planning department.

Fort Worth

Check with the city’s building or planning department.

Frequently asked questions

Can I live in a travel trailer on my property while my house is rebuilt?

Usually, yes, with permission. Most places treat it as a temporary use tied to the rebuild, approved by the city or county and allowed by your HOA if you have one. The local rule decides, so ask the building or planning department before the trailer is delivered.

Do I need a permit to put a travel trailer in my yard during a rebuild?

Often, yes. Where it is allowed, it is commonly tied to an active building permit for the house and ends when the work is finished. Some places use a separate temporary permit, and some do not allow it at all. Your building department will tell you which applies.

Who connects the water, sewer, and power?

Licensed, insured contractors from our preferred vendor network complete the water, sewer or septic, and electrical connections as part of setup. You do not have to hire anyone or do it yourself.

What if my house has no power or sewer right now?

Tell us on the call. We look at how far the trailer will sit from the water, sewer, and power it will use, and confirm the site with you before the trailer rolls. Some cities set their own rules for this, so ask yours too.

Does homeowners insurance pay for a trailer on my property?

That depends on your policy and your adjuster. When a carrier approves the trailer, we can bill the carrier directly, so you are not fronting the cost. The claim side is explained by our parent brand, 1st Choice Living.

If the rebuild is part of an insurance claim

Housing during a Texas insurance claim, including how a trailer on your own lot fits with additional living expense coverage, is explained by our parent brand on temporary housing in Texas from 1st Choice Living. Once the placement is arranged, the trailer, delivery, and service are ours.

Have the go-ahead? Tell us where the trailer goes.

Answer a few questions and we take it from there.