I own my home and have a big double lot, depending on what happened to the house I would stay in my travel trailer in the yard, If it was something that was going to take a long time to repair as in being hit by a tornado or destroyed by a fire then my homeowners insurance would put a mobile home on the lot or pay for rent till the replacement house was built, or I have the option to go stay at my cabin. I would make sure everything of any value that was able to be salvaged was either secured on the premises or taken to family members or even to the cabin, a storage building is also a good option.