Doesn't happen only with bin families. Doesn't need tutorial to be on. Doesn't even need an unfurnished home. All you need to be doing, is moving a sim that's 'active' into a vacant home. Like when you're setting up the game for the first time. Not quite sure if it can happen if you're moving an 'active' person into a game that's been going a while, but it might be possible.
http://sims3tinkers.com/smf/index.php?topic=140.0 <--- This thread contains a mod that increases the chances of these scenarios popping up.
Edit: Alsooo.... It can happen with any house. Even play made ones.
Oh! I just remembered too I got one of these events in Hatchet Falls, so it can happen after everything's been set up, and the game's been active, the only thing is you need someone who is 'active' .. as in, they're going to be marked as your active family, going into the neighborhood for the first time.