Temporary & Displacement Housing Support
Insurance readiness for mid-term and displacement housing providers
Candor helps operators who provide temporary, mid-term, and insurance-displacement housing organize the documentation a licensed insurance professional will need.
Office hours: Mon–Thu 9:00 AM – 5:00 PM | Fri 9:00 AM – 12:00 PM
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Start with a quick intake
There is no cost or obligation. A Candor representative will follow up.
Mid-term, corporate and insurance-displacement housing sits between a traditional lease and a hotel stay. Units are furnished, guests change every few weeks or months, and stays are often arranged through insurers, adjusters, relocation companies or restoration contractors.
A landlord policy written for 12-month tenants may not fit that use. Telling a licensed producer exactly how units are rented, for how long, through whom and with what furnishings is the first step to coverage that matches the operation.
How we help
Readiness first - placement by licensed professionals
We help you organize what you have and understand what may be needed. Coverage advice and policy placement are handled by licensed insurance professionals.
Who we help
- Mid-term / corporate housing operators
- Insurance-displacement housing providers
- Furnished rental operators
- Providers working with restoration contractors
Common situations
- Coverage needs to reflect short-term and transitional occupancy
- Contracts with partners require specific certificates
- Multiple units turning over on different schedules
- Unclear what documentation a producer will request
Coverage
Coverages a producer commonly reviews
Every operation is different. These are the coverages typically discussed for this kind of risk; a licensed producer will recommend what fits yours.
Property
Buildings you own, written for furnished, transitional occupancy rather than a standard long-term lease.
Contents / business personal property
Furniture, appliances, linens and electronics in each unit.
General liability
Injury claims from guests and visitors in units and common areas.
Loss of income
Lost revenue while a unit cannot be used after a covered loss.
Master lease and tenant coverage
If you lease units from other owners, liability and contents coverage that satisfies those leases.
Hired and non-owned auto
Staff driving for move-ins, deliveries and inspections.
Before you call
What shapes your coverage
Length of stay
Underwriters rate average and minimum stay lengths very differently. Document your typical stay, your minimum stay and how bookings are made.
New York City rules
In New York City, renting a whole apartment for less than 30 days is restricted in most multiple dwellings. Most displacement and corporate housing there is arranged for 30 days or longer; confirm your arrangements comply before you insure them.
Partner requirements
Insurers, relocation firms and restoration contractors often require certificates, specific limits and additional insured status. Keep a list of each partner's requirements.
Owned vs. leased units
Units you own and units you master-lease from other landlords need different coverage. A producer will want both lists, along with the leases.
Get Ready
Documents we help you gather
How It Works
A clear path from inquiry to coverage
Tell us about your situation
Share the basics through the short intake form.
We organize the details
We help assemble the documents a licensed professional will need.
Connect with a producer
A licensed insurance professional reviews your needs and handles placement.
Ongoing support
We help keep certificates and renewals organized over time.
Common Questions
Frequently asked questions
Does a standard landlord policy cover mid-term rentals?
Not always. Policies written for 12-month tenants may limit coverage for furnished, short-stay or frequently turning units. Tell your producer your typical and minimum stay lengths.
What is insurance-displacement housing?
Housing provided to families displaced by a covered loss, such as a fire or flood, usually paid for by their insurer under additional living expense coverage and arranged through adjusters or placement companies.
Do I need to insure the furniture in my units?
Yes. Furnishings, appliances and electronics are your business property and need their own coverage. A building policy alone may not cover them.
Can I insure units I lease from other landlords?
Yes. Master-leased units usually need liability and contents coverage that meets each lease's requirements, while the owner insures the building.
What do partners usually require?
Insurers, relocation firms and restoration contractors commonly require certificates of insurance, specific liability limits and additional insured status. Requirements vary by partner.
Related programs
Other Candor programs
Talk It Through
Prefer to talk it through?
Speak with Candor Insurance Brokerage Inc today.