Fast, Furnished ALE & Insurance Displacement Housing

When your home becomes unlivable due to fire, water damage, mold remediation, structural failure, or major repairs, you need housing immediately — not another layer of stress.

If your homeowners insurance includes Additional Living Expense (ALE) coverage, you may be entitled to fully furnished temporary housing while your property is repaired.

702 Housing provides professional, fully furnished insurance temporary housing in Las Vegas and Henderson, designed specifically for displacement situations. 

What Is Insurance Temporary Housing?

Insurance temporary housing (also called ALE housing or insurance displacement housing) provides furnished accommodations when your primary residence is uninhabitable due to a covered claim.

Common qualifying situations:

• Fire and smoke damage

• Water loss or flooding

• Mold remediation

• Major plumbing failures

• Structural damage

• HOA building issues

• Extended reconstruction timelines

Instead of living in a hotel for months, families often prefer a fully furnished apartment or home that allows normal daily life.

How ALE (Additional Living Expense) Coverage Works

Most homeowners policies include ALE coverage. It is designed to cover the increased cost of living away from your primary residence during repairs.

ALE may cover:

• Furnished rental housing

• Utilities

• Internet

• Parking

• Pet accommodations

• Storage

• Short-term hotel stays (initially)

Every policy is different. Before placement, confirm with your adjuster:

• Monthly housing allowance

• Utility coverage limits

• Duration approval

• Pet coverage

• Documentation requirements

We can provide detailed lease agreements and itemized invoices to simplify reimbursement or direct payment coordination.

Why Furnished Housing Is Better Than Hotels

Hotels are often used initially — but they are not designed for long-term living.

Furnished insurance housing provides:

• Full kitchens

• Separate bedrooms

• In-unit laundry (in many properties)

• Dedicated workspace

• Storage space

• Privacy for families

• Pet-friendly options

• Utilities included

For 30+ day claims, furnished housing is typically more comfortable, more stable, and often more cost-efficient than extended hotel stays.

For a broader understanding of how mid-term rentals compare to other housing options, see our guide on mid-term rentals in Las Vegas.

Where We Provide Insurance Temporary Housing

We offer furnished placement throughout:

• Las Vegas

• Henderson NV

• Summerlin

• Seven Hills

• Spring Valley

• Near the Strip

If you were displaced in a specific neighborhood, we prioritize comparable living standards nearby whenever possible.

For more on specific areas, you may also reference:

• Our Henderson furnished rentals guide

• Corporate housing in Las Vegas overview

• Month-to-month rentals in Las Vegas

These pages explain the broader rental landscape and help clarify your options.

Our Booking Process — Simple, Transparent, and Fast

One of the biggest frustrations during insurance claims is slow housing placement. We’ve streamlined the process.

1. View Live Inventory Online

You can browse real-time availability directly on our Rental Properties page.

You will see:

• Photos

• Location

• Amenities

• Furnishing details

• Availability

This allows you (and your adjuster) to evaluate options immediately.

2. Apply Online

Our online application process is straightforward and secure. Once submitted:

• We review promptly

• We coordinate lease terms

• We provide documentation required by your carrier

No unnecessary paperwork. No back-and-forth delays.

3. Insurance Coordination

We can:

• Provide itemized invoices

• Structure leases around ALE approval timelines

• Assist with extension documentation

Our goal is to reduce stress — not add to it.

How Fast Can Placement Happen?

Placement timing depends on availability and insurance approval. In many cases:

• Placement can happen within days once coverage is confirmed

• Extensions are available if repairs take longer than expected

• Flexible 30+ day terms accommodate uncertain rebuild timelines

Insurance claims are unpredictable. Your housing should not be.

Insurance Temporary Housing vs Corporate Housing

There is overlap between corporate housing and insurance housing. The difference is the reason for occupancy.

Corporate housing serves:

• Executives

• Consultants

• Traveling professionals

Insurance temporary housing serves:

• Displaced homeowners

• Families during major repairs

• Claim-based relocations

The properties may be similar. The documentation and billing structure are tailored to insurance needs.

Our corporate housing experience ensures professional standards while adapting to claim-specific requirements.

What to Ask Your Insurance Adjuster

To avoid delays, clarify:

• What is my monthly housing budget?

• Are pets covered?

• How long is approval granted?

• Is direct payment possible?

• What documentation is required?

Having these answers upfront speeds up placement significantly.

Typical Duration of Insurance Housing

Most insurance temporary housing placements fall into:

• 30 days

• 60–90 days

• 6+ months (for structural rebuilds)

Some fire claims and major reconstruction cases may extend beyond a year. We offer flexible lease extensions when needed.

What Insurance Temporary Housing Costs in Las Vegas

Cost depends on:

• Location

• Property size

• Duration

• Seasonality

• Amenity requirements

Compared to extended hotel stays, furnished housing is typically more cost-effective for stays longer than 30 days.

Because every policy is different, we recommend aligning property selection with your ALE allowance before signing.

Why Families Choose 702 Housing

• Fully furnished, move-in ready properties

• Utilities included

• Flexible 30+ day terms

• Pet-friendly options available

• Professionally maintained homes

• Transparent documentation for insurance

• Local Las Vegas and Henderson expertise

We are not a national directory. We are a local operator specializing in furnished housing for real-life situations.

Frequently Asked Questions

Does homeowners insurance cover furnished apartments?

If your policy includes ALE coverage and your home is uninhabitable due to a covered event, furnished housing is commonly covered within reasonable limits.

Can insurance pay for a furnished rental instead of a hotel?

Yes. Many carriers prefer furnished housing for longer stays because it provides stability and often lowers total claim costs compared to extended hotel occupancy.

What is ALE housing?

ALE (Additional Living Expense) housing refers to temporary accommodations paid by your insurance company when your home cannot be occupied due to covered damage.

Can I stay in the same area as my original home?

Often, yes. We prioritize comparable neighborhoods whenever availability allows.

View Available Insurance Temporary Housing Now

If you need insurance temporary housing in Las Vegas or Henderson, you can:

1. Browse available properties in real time

2. Apply securely online

3. Coordinate directly with your adjuster

Visit our Rental Properties page to view current availability and start your application.

If you have confirmed ALE coverage and need placement quickly, contact us today to discuss options.

Your home may be under repair — but your family should not have to pause life in the meantime.