How to Attract Insurance-Displaced Guests to Your Rental Property (And Why They’re So Valuable)

Imagine this: a family’s home floods after a pipe bursts. Their insurance company needs to relocate them—fast. Hotels are too cramped. Furnished apartments are too few. Enter you: a property owner with a clean, comfortable, furnished home that’s ready now. Suddenly, that family’s 3-month misfortune becomes your 3-month booking—fully paid by the insurance company. No discounts. No drama. Just dependable income.

Welcome to the world of insurance-displaced guests. Here’s how to attract them—and why they might be your most consistent, high-quality renters.

1. What Is an Insurance-Displaced Guest?
These are people who:
✅ Had a fire, flood, or property damage
✅ Are waiting for repairs or home restoration
✅ Need furnished temporary housing ASAP
✅ Are backed by an insurance company willing to foot the bill

Typical stays range from 30 to 180 days, depending on the damage and repair timeline.

2. Why Should You Care About This Niche?
✅ Longer stays = fewer turnovers
✅ Higher nightly rates than long-term leases
✅ Zero risk of non-payment—insurance covers the rent
✅ Respectful guests—they’re families and professionals, not partygoers
✅ Great for slow seasons—especially when tourism drops

This is mid-term rental gold.

3. What Kind of Property Works Best?
Insurance companies typically look for:
✅ Fully furnished homes or condos
✅ 1–4 bedrooms
✅ Fast, reliable Wi-Fi
✅ Full kitchen and laundry
✅ Parking and safe neighborhood
✅ Pet-friendly options (many guests bring their pets)

If you have a space like this, you’re already a perfect fit.

4. How to List Your Property Where Insurance Agencies Look
Start by expanding beyond Airbnb:
✅ Furnished Finder – Great for 30+ day stays
✅ ALE Solutions (U.S.-based, but Canadian companies often follow same model)
✅ Facebook groups – Search “[City] Insurance Housing” or “Emergency Housing [Region]”
✅ Direct outreach to insurance adjusters or relocation companies
✅ Build a simple landing page or flyer highlighting:

• Furnished, available immediately
• Monthly rate
• Pet-friendly (if applicable)
• Safe neighborhood + parking
• Flexible terms
  We'll help design that if you need it.

5. Offer Flexible Terms—But Stay Firm on Pricing
Insurance companies expect to pay:
✅ $90–$150+ per night depending on location and property type
✅ Directly to landlords or through property managers
✅ Monthly or bi-weekly payments with written agreements

They're not looking for deals. They're looking for availability and ease.

6. Create a “Relocation Ready” Setup
Stand out by showing your unit is built for comfort and stability:
✅ Welcome binder with Wi-Fi, garbage schedule, local grocery info
✅ Extra linens, towels, and kitchenware
✅ Blackout curtains, nightlights for families, smart TV with Netflix
✅ Optional cleaning service referral (insurance often covers it)
✅ Reliable heating/AC—don’t skip on climate comfort

The more “move-in ready” your unit is, the more likely you’ll secure long-term placements.

7. Build Relationships With Local Adjusters and Realtors
✅ Connect with real estate agents who work with displaced families
✅ Drop off info packages to insurance offices
✅ Let contractors or emergency remediation teams know your unit exists
✅ Join local business groups or Facebook communities to spread the word

A single adjuster who likes your unit can send you multiple families per year.

8. Let Us Help You Tap Into This Market
At BookedHosts, we manage listings specifically for insurance placement clients. We:
✅ Optimize your unit for mid-term and emergency housing
✅ Handle booking communication, contracts, and coordination
✅ Ensure your property stays protected and compliant
✅ Keep your calendar full—even outside peak season

If you have a furnished unit sitting empty, this market could change your cash flow overnight.

Don’t Just Wait for Tourists—Host People Who Need Your Home
Insurance-displaced guests don’t want luxury—they want normalcy. If you can provide a safe, furnished space with warmth and reliability, you’ll not only earn—you’ll help someone through a tough time.

Want to see if your property qualifies? BookedHosts offers a free mid-term rental audit and onboarding for insurance-friendly properties. Email info@bookedhosts.com or scroll down to submit your property today.

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