Insurance Accommodation Australia

Most standard home and contents insurance policies in Australia include temporary accommodation cover when your home is uninhabitable due to an insured event — fire, flood, storm, burst pipe or other damage. The amount and duration covered varies by policy. We can help you identify your entitlement.

We work with all major Australian insurers including AAMI, Allianz, GIO, NRMA, CGU, QBE, Suncorp, IAG, Budget Direct and Youi, as well as specialist insurers and Lloyd's syndicates. We also work directly with loss adjusting firms.

For urgent displacement, we aim to present options within 2–4 hours of your enquiry and confirm placement within 24 hours. We maintain relationships with extended stay operators across Australia specifically for fast displacement placement.

We can arrange weekly accommodation while your claim is being assessed and transition to a longer-term placement once your entitlement is confirmed. We'll liaise with your insurer throughout so you don't have to manage the back-and-forth yourself.

Yes — and for stays beyond two weeks, a furnished apartment is almost always the better choice for your wellbeing and your policy budget. Hotels are expensive and lack kitchens, laundry and separate living space. Most Australian insurers including AAMI, Suncorp, Budget Direct and CGU accept furnished apartments as "reasonable and necessary" alternative accommodation, provided the nightly rate is proportionate to your home's weekly rental value. We source insurer-accepted furnished apartments and ensure invoices are formatted correctly for your claim.

Insurers assess temporary accommodation against the long-term rentable value of your home — typically the weekly rent a property like yours would achieve on the open market. A modest 3-bedroom home in a suburban area warrants a comfortable furnished 3-bedroom apartment; a premium property warrants a higher standard. We work within your policy parameters and advise if a proposed property is likely to be accepted. The General Insurance Code of Practice also requires insurers to act reasonably and promptly — if your insurer is disputing accommodation costs, you can escalate to AFCA (Australian Financial Complaints Authority).

After a declared catastrophe event — cyclone, flood, bushfire — local accommodation supply near the affected area can collapse entirely. In these situations, insurers typically agree to a wider search radius and may accept accommodation 30–60km from the damaged property. We maintain a national broker network specifically for these events, sourcing options in surrounding suburbs and towns when local supply is exhausted. For major declared events, contact us as early as possible — inventory moves very quickly in the first 48–72 hours after a catastrophe declaration.