Extended Stay Accommodation That Supports Families in Crisis—While Delivering Reliable Returns
Property investors in Victoria are waking up to a powerful, under-utilised opportunity: insurance rental properties and emergency accommodation. As floods, fires, and unexpected home issues become more common, so too does the need for fully furnished, safe, and stable housing.
At Property Mums, we specialise in furnished homes for families and individuals displaced by emergencies. It’s a growing and reliable market that provides not only strong returns for owners—but real, tangible support for people when they need it most.
What Is an Insurance Rental Property?
When a home becomes uninhabitable due to an event like a fire, storm, water damage, black mould, or even major renovations, insurance companies cover temporary accommodation for the affected family. These guests often need a place to stay for weeks or even months and that’s where your property comes in.
✅ Stays of 28+ days mean you avoid the 7.5% short-stay levy now imposed on nightly Airbnb-style rentals in Victoria.
💼 Real-Life Situations We Support
We’ve housed hundreds of families in real-world emergency scenarios:
- Storm damage in Bayside suburbs
- Water leaks and structural repairs in the Mornington Peninsula
- Black mould evacuations in Cranbourne and Frankston
- Cancer treatment relocations for rural families needing access to Melbourne hospitals
- Fire damage displacements requiring months of comfortable interim living
These aren’t tourist bookings. These are essential, insurance-funded stays where comfort and stability matter most.
Why This Model Works for Investors
The numbers speak for themselves. Our owners often achieve 20–25% annual returns, thanks to:
- Longer booking durations (4–12 weeks on average)
- Lower vacancy gaps
- Minimal cleaning turnover
- Reliable payments from insurers or corporate relocation budgets
Unlike Airbnb, where income can be seasonal and guest behaviour unpredictable, insurance and emergency guests are screened, respectful, and supported by case managers or insurance reps.
Property Mums: Full-Service Insurance Accommodation Management
We don’t just take bookings—we prepare your property to meet insurance partner standards and maximise your income:
✔️ Insurance-Ready Setup
We ensure the home complies with safety and documentation requirements for insurer-funded guests.
✔️ Furnishing & Styling
Our custom styling service helps make your home welcoming and guest-ready, increasing occupancy by up to 67%.
✔️ Professional Management
24/7 guest support, scheduled maintenance, cleaning, restocking, and full reporting are all included.
✔️ Guest Vetting & Coordination
We partner with Insurance Claim Rentals, HRS, and Suncorp, ensuring a steady stream of vetted, approved guests.
Where Demand Is Highest
We regularly receive urgent requests for accommodation in areas like:
- Melbourne South-East: Cranbourne, Dandenong, Frankston
- Mornington Peninsula: Rye, Rosebud, Mount Eliza
- Eastern & Bayside Suburbs: Glen Waverley, Cheltenham, Bentleigh
- Regional Victoria: Geelong, Shepparton, Ballarat (for health-related relocations)
In some cases, we’ve had to turn away bookings of 60+ nights due to a shortage of available properties. The demand is real and growing.
💬 What Our Insurance Guests Say
“We lost half our home after a plumbing disaster. Property Mums had us in a clean, warm home within 48 hours—and even helped us feel normal again.”
– Jenna & Sam, Berwick
“We relocated for cancer treatment and needed a quiet, pet-friendly home near the hospital. It made all the difference.”
– Marie L., Ballarat to Melbourne
“Our rental was evacuated due to black mould. With two young kids, we were stressed. Property Mums coordinated everything with the insurer and gave us back a sense of calm.”
– Priya, Springvale
📞 Ready to List Your Property?
We’re actively onboarding more homes to meet growing insurance and emergency housing demand across Victoria. Whether you’re an investor, homeowner, or developer—if your property is furnished, safe, and available for 28+ days, you may qualify.
👉 Get a Free Property Assessment
👉 Partner With Us for Insurance Housing
