The FAQ leads me to believe there will be non instanced housing but something from the dev's on the matter would be nice.
- Q. Is there raiding?
- No.. and yes. There are no static raid dungeons. However, world events will frequently cause big, bad, nasties that to need to be dealt with to roam free or take shelter in an abandoned ruin.. Also, as players amass a large amount of wealth and hide it in their castles other, less savoury players may choose to break in and steal it. Finally, kingdoms will often go to war and siege each others' castles. All of these can and will require a varying number of players to be successful.