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A NEWBIES GUIDE TO TINY HOUSE INSURANCE

INSURANCE

Deciding to move into a tiny house on wheels or foundation feels exhilarating. Just imagine how much you would save by living a mortgage-free life in a fun-sized dream home. Unfortunately, it is hard to find an insurance policy that will cover your small house. This is because you have to look for an insurance policy which will include all your small house needs.

The tiny house movement is all about individuals and families living independently. It makes sense that a tiny enthusiast lives in a structure that does not fit in any insurance program. You thus have to consider all factors governing small houses. Once you do this, you can get a good insurance company.

BUILDING CODE & ZONING REGULATIONS

For the standard tenant policy form, getting insurance for your tiny house may prove hard. This is because insurance forms do not contemplate small houses. Most standard policies do not have a cover for structures which are not in line with building codes. Many tiny houses lie in this category especially if you have built it yourself. You will, therefore, have to go through a lot before getting yourself a good insurance policy.

TYPES OF INSURANCE FOR TINY HOUSE

1. RV/TRAILER INSURANCE

If you own a tiny house on wheels, then an RV or trailer insurance is precisely what you need. However, few insurance companies will offer this coverage. The few companies available have to bend the rules to provide the needed services. To avoid issues, you must make sure that the small home meets all the requirements.

It is highly advisable that you buy a THOW from a licensed manufacturer. This is because getting insurance is a lot easier when you buy a THOW from a well-known seller.

Most insurance companies will even give you full-time coverage. Owning a tiny home with certification also makes it possible to get a wide range of campsites to park in.

RENTERS INSURANCE POLICY

3. MANUFACTURED / MOBILE HOME INSURANCE

Mobile home insurance best suites a tiny home on a foundation. This is regardless of whether it was assembled on site or at a factory. With a mobile insurance cover, your small house on the foundation will be protected.

TINY HOME
RV/TRAILER INSURANCE

2. RENTERS INSURANCE POLICY

Sometimes you may decide to rent a small home instead of getting one for yourself. In this scenario, you should consider a standard renter’s insurance policy. Renters insurance covers a host of spaces you rent including a tiny house.

You should, however, consider the duration of stay before opting for this policy. If you are planning on moving soon, then there is no need of getting insurance cover for the rented tiny home.

 

MOBILE GOME INSURANCE

4. SPECIALIZED INSURANCE

Many tiny enthusiasts prefer the DIY route when building a small house. However, this action can make it hard for you to get an insurance cover. This is because most insurers are hesitant when it comes to providing coverage to DIY tiny homes. For this reason, you have to look for a specialized insurance cover. Fortunately, you can rely on an insurance agency that provides tiny house insurance.

PROBLEMS WITH TINY HOUSE INSURANCE

  • Quite difficult to get insurance coverage

Since THOWs are an unconventional way of living, you may take long before insuring it. THOWs are somewhere in between real homes and recreational homes. Therefore getting a homeowners insurance is often an improbable option.

Fortunately, you can reach an agreement with an insurance company. Through this agreement, they can work a deal that covers your small house. For instance, you can decide to remove the wheels. This action changes the tiny home from a THOW to a house on a foundation. You will, therefore, be able to get homeowners insurance since you can no longer tow the home.

  • Insurance Companies Follow Building Codes

Most tiny homes do not conform to building codes. They are therefore rendered ineligible for standard homeowners insurance. This is because insurance companies find it hard to classify small dwellings. To avoid getting into this situation, you can buy a tiny house from a licensed manufacturer. Alternatively, you can rely on a professional when building your tiny house. You must however make sure that the professional has a license.

  • Cost

You may sometimes have to break the bank before getting insurance for your small home. This is especially the case when your tiny home does not follow building codes. You, therefore, have to convince an insurance company to bend the rules. Once a company does this, there is a high possibility that they will set a huge fee. However, this is better than having no insurance coverage.

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COMPANIES THAT PROVIDE TINY HOUSE INSURANCE

  • Foremost Insurance www.foremost.com ( they only offer coverage for mobile home permanence type set ups and RVIA certified homes. according to someone who has insurance by them)
  • Michael Carmona Agency or MAC Insurance, Inc. I’m out of Portland, OR and I own one of maybe 2 insurance agencies that specialize in tiny house insurance. It is not an RV product, it is an actual tiny house homeowners policy! I’d love to be a resource for anyone who has insurance questions on their tiny house. Comment or send me a pm. –MAC Insurance, Inc, Oregon
  • Strategic Insurance Agency, a unit of Martin Burlingame Insurance Agency, Inc., has been serving the needs of individuals, families, and businesses for over 10 years. https://tinyhome.insure

CONCLUSION

You will have to be careful when choosing an insurance coverage for your tiny house. This is because you have to select the insurance coverage that meets all the demands of your small home. Otherwise, you might end up being denied cover at a very crucial time. With a good insurance plan, you are guaranteed protection. Furthermore, you do not have to lose your tiny home in case an emergency strikes.

Many insurance companies are now offering insurance plans that cover tiny homes. These companies have realized the growing popularity of the tiny house. With an increase in demand, more people will join the tiny house community. Insurance companies can thus get the chance to cover as many small homes as possible. Make sure that you carry out detailed research before choosing a company. Otherwise, talk with insurance companies to ensure you get a good deal.

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