So how about this for Skyrim. Have a "home item" type of shop that sells furniture, storage containers, beds, ect. These "house items" would only be usable once, heavy, and fairly expensive. By using the item from your inventory, it would place that piece of furniture at your feat in front of you, which is now permanently in place. The idea is that you could claim any location as your home, then go buy some furniture for your new home. And by making these house items one time use and expensive, you would prevent these items from breaking the game (like for example, stocking up on beds and carrying them around for a quick full heal). Oh, and also have a cheap item in these shops that lets you destroy placed furniture, just in case a player wants to refurnish later on.
I don't know if an item like this would work in the Gamebryo engine that these games use, but it's worth suggesting.