What is insurance accommodation in Sydney?

Insurance accommodation in Sydney refers to temporary furnished housing arranged for policyholders whose home has been rendered uninhabitable by an insured event — fire, flood, storm, burst pipes or other covered damage. The cost is covered by the loss-of-use provision in most standard home and contents policies and is paid by the insurer, not the policyholder.

How do I find insurance accommodation in Sydney?

After lodging your claim, contact a furnished accommodation provider like Sydney Short Term Rentals with your suburb, family size, insurer name and claim reference. We work directly with loss adjusters and can confirm availability and quotes within hours. Direct billing means no upfront cost to policyholders.

How much does insurance accommodation cost in Sydney?

The cost is covered by your insurer under the loss-of-use provision. Typical furnished apartment rates in Sydney are $1,100–2,600/week depending on size and location. Your policy will have a daily or total sub-limit — commonly $200–400/day or $20,000–$60,000 total. Sydney Short Term Rentals works within these budgets to find appropriate accommodation.

Can I choose where I stay for insurance accommodation in Sydney?

Yes. You are generally entitled to accommodation that provides a reasonable equivalent to your home — same number of bedrooms, in or near your suburb. While your loss adjuster may suggest providers, you can propose alternatives. Sydney Short Term Rentals can provide quotes for loss adjuster approval.

What documents do I need for insurance accommodation in Sydney?

Typically: claim reference number, insurer name and loss adjuster contact, confirmation that the property is uninhabitable, accommodation sub-limit or daily cap from your policy, and family size (including pets if applicable). Sydney Short Term Rentals will prepare the accommodation agreement and invoice directly for the loss adjuster.

Sydney Insurance Accommodation Guide

Insurance Accommodation

Sydney Insurance Accommodation — Complete Guide

Published 23 June 2026 · Updated 23 June 2026

When a Sydney home is damaged by fire, flood, storm or another insured event, most home and contents policies include cover for furnished temporary accommodation under the loss-of-use (or additional living expenses) provision. This guide explains how the process works, what you are entitled to, and how to find a furnished apartment quickly with no upfront cost.

3–18 moTypical claim accommodation period

$1,100–2,600/wkFurnished apartment rates Sydney

Direct billingNo upfront cost to policyholders

All insurersNRMA, AAMI, Allianz, Suncorp, GIO

Insurance accommodation by claim type

Sources

General market context and public-sector reference sources used across Sydney accommodation guides:

Event type	Typical repair time	Typical accommodation	Key consideration
House fire (partial)	3–9 months	4–10 months	Smoke damage scope can extend timeline
House fire (major)	9–18 months	10–20 months	Council approvals add time to rebuild
Flood damage	6–18 months	6–20 months	Contamination and drying time add weeks
Storm damage	4–16 weeks	1–4 months	Contractor availability after major events