Insurance Accommodation

Most standard Australian home and contents policies include an additional living expenses (ALE) clause. This covers reasonable costs for alternative accommodation if your home becomes uninhabitable due to an insured event such as fire, storm or flood. The benefit is usually capped at 10 to 20 per cent of your building sum insured.

Insurance accommodation is temporary furnished housing provided to policyholders whose homes are uninhabitable after a covered event. Homeowners, renters and strata residents may qualify if their policy includes an additional living expenses benefit. Loss adjusters and claims managers help confirm eligibility and the available benefit amount before sourcing options.

Stay length depends on your policy's ALE benefit and how long repairs take. In major disaster events, stays of 12 to 52 weeks are common, particularly in flood-affected regions like the Northern Rivers of NSW. Extended Stays sources furnished apartments on flexible terms from 14 nights, with extensions available as your repair timeline becomes clearer.

Loss adjusters can refer displaced claimants to Extended Stays to source furnished apartment options. Extended Stays provides itemised quotes and written documentation for the claimant's records. The claimant or their insurer arranges payment directly. Extended Stays does not bill or invoice insurers or loss adjusters on behalf of any party.

Look for a full kitchen, separate living areas, in-unit laundry and reliable Wi-Fi. These features make a long stay liveable and keep costs lower than a hotel over weeks or months. Also check proximity to your workplace, your children's school or a major public transport line to reduce daily disruption during your claim period.

Contact Extended Stays with your city, household size, start date and approximate budget or ALE limit. We send you furnished apartment options promptly. Having your policy's ALE benefit figure ready speeds up the process. We work nationally, including in disaster-affected regional areas like the Northern Rivers and Queensland's coastal zones.

An additional living expenses (ALE) clause covers the reasonable cost of temporary accommodation when your home is uninhabitable due to an insured event. Most Australian home policies set this at 10 to 20 per cent of the building sum insured. Extended Stays provides itemised quotes that help you document costs and support your claim.

Yes. Furnished apartments and serviced apartments are widely accepted under ALE benefits in Australia. They are often more cost-effective than hotels for stays over two weeks, and they provide a kitchen, laundry and separate living space. Extended Stays sources options across all major Australian cities and many regional centres to suit your policy limits.

No. Extended Stays provides you with detailed quotes and written documentation. You use these to support your claim with your insurer. Your insurer or you arrange payment directly. We do not bill, invoice or coordinate payment with insurers or loss adjusters on anyone's behalf.

Extended Stays sources insurance accommodation nationally, including Sydney, Melbourne, Brisbane, Perth, Adelaide, Darwin and Hobart. We also cover regional areas including the Northern Rivers of NSW, the Pilbara in WA, the Hunter Valley in NSW and Queensland's coastal tourism hubs. If you are unsure about your area, contact us and we will check availability.

Some furnished apartments accept pets and some do not. Tell us upfront if you have pets when you submit your brief. This narrows the options to suitable properties from the start, saving time. Pet-friendly furnished apartments are available in most major Australian cities, though availability is more limited in some regional centres.