Dealing with Insurance Agency for Payment from Tenants

[Andrew G.]

There was recently a fire in our neighborhood (Everyone is okay), and possible tenants want to rent our house, but the insurance agency will be making payments on behalf of them. I have never dealt with an insurance agency before to make payments on behalf of the tenant. I worry that I require a 1-year lease, and it will not take 1 year to complete the house, and they leave before their 1-year lease is up. Will the insurance agency cover the difference if the tenants leave a few months early? 

I have a meeting with the insurance agency tomorrow, so I am sure they will answer this question, but curious what other landlords have experienced dealing with insurance agencies?