Help with Canadian Insurance problem

On our way south for the winter we were hit on interstate seventy five The fifth wheel had a lot of exterior damage but the truck was fine.(we continued to Florida) We are now in the process of having the repair done.(the repair will done in the US)
We were in for a shock. My insurance company tells me we are not covered for a hotel while the repair is being done.(Ontario auto insurance does not cover living expenses in a situation like this, they are deemed secondary expenses) I was under the impression that a home is a home is a home.(it's our primary home for three months).It's only three nights at this point) but my fear is in the future if we get into this situation and the repair takes much longer and we are far from home it could cause a financial hardship. We were hit in Tennessee and I was told that if at that point I wasn't able to continue to my destination I was responsible for the hotel while the repair was being done.
Has any one been in this situation.
Living expenses are not covered under the auto part of my policy.
The fifth wheel is not covered under the homeowner side of my policy.
Fifth wheel has no engine but it is under the rules of the truck.
Any thoughts?