Yes, you have a house in Silver Skalitz. It is burnt soon after the tutorial stage completes, after which you are homeless. While you might be allocated various beds, and have opportunity to sleep in barns/outhouses and maybe inns, you have no "home" as such.
Even within the Beta though there are plenty of safe/non trespassing beds available - seemingly the bathhouse is safe 100% bed, and many barns have a safe 80% bed in them.
There are also many beds in the woods at 80% and 60%, and a poppy decoction might serve to improve the quality of rest from a poor bed (though I haven't got around to testing that hypothesis yet).