You can insure tiny houses with RV or manufactured home insurance, and some insurers will write policies specifically for tiny homes.
Updated December 22, 2021|4 min read
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If you own a tiny house, you should make sure it’s well-protected with at least some form of insurance coverage. You can’t insure a tiny house with a standard home insurance policy, but there are a number of other coverage options available to you depending on how you use the home.
Tiny house insurance protects homes 600 square feet or smaller from unexpected losses, like damage from lightning and vandalism.
If your tiny house is stationary and you finance it yourself or with a personal loan, you’re not legally required to insure it.
However, mobile tiny homes are subject to the same state insurance requirements as cars and RVs.
The type of coverage you need depends on your tiny house’s build — a fixed-foundation tiny house is going to need different coverage than a tiny house on wheels that you use to travel from one spot to the next.
Here are three insurance options based on the type of tiny house you own.
Ready to shop home insurance?
Some insurers will only insure your tiny house if it’s certified by the National Organization of Alternative Housing (NOAH).
If your tiny house was built by a NOAH-certified builder and you only move it a couple of times a year, your easiest insurance option would probably be a mobile and manufactured home policy.
If you plan on moving your home, you’ll need additional coverage
If you ever plan on moving your home to a new location, you’ll need to add additional coverage, called a transit endorsement, to cover your home and personal belongings while on the road. You’ll also need to inform your insurance company whenever you switch locations.
If your tiny house is on wheels and it’s certified by the Recreational Vehicle Industry Association (RVIA), you should first look into an RV policy.
RV insurance will cover your tiny house both when it’s parked and when it’s moving. Most major insurers offer RV policies, which include protection for the structure of your RV and liability coverages. It also includes coverage specific to auto insurance, like collision coverage and uninsured motorist protection.
Standard RV policies are typically only intended for RVs that you use as a vacation home
If you live in the tiny house permanently, you’ll want to be sure you get a “full-timers” policy, which is offered by major insurers like Progressive and Foremost.
Most large home insurance carriers won’t insure tiny homes that aren’t certified by the RVIA or the NOAH, but there are a number of specialized tiny home insurers who will.
Since your home isn’t certified, your insurer may want evidence that the build materials, wiring, and plumbing are up to code. To better assist your insurer during the inspection and make your home more insurable, it’s a good idea to take photos of the wiring as it’s being built.
Here are four popular insurance companies that offer protection for different types of tiny homes.
If your tiny house doesn’t qualify for standard coverage, American Modern may be the way to go. It’s one of the first insurance companies to actually specialize in mobile home insurance — offering all of the standard protections, as well as water damage coverage and mold and remediation protection up to $3,500.
A subsidiary of Farmers Insurance, Foremost sells both manufactured and mobile home insurance and RV insurance. Your tiny house must be certified by the NOAH or the RVIA to qualify for coverage. They also offer full-timers coverage for homeowners who live in their RV year round.
American Family will insure your tiny house with a mobile home insurance policy, but only if it meets certain requirements like having a permanent foundation. American Family also sells RV insurance if your tiny home is on wheels.
State Farm also offers mobile home insurance and RV policies. Your tiny home will have to meet specific requirements to qualify for coverage.
Tiny home insurer Darrell Grenz of Insure My Tiny Home in Portland, Oregon says insurance can cost around $600 a year. Meanwhile, MAC Insurance, a Portland-based company that insures tiny homes throughout the country, says it can cost as little as $400 or as much as $1,500 annually.
5 factors that affect tiny home insurance rates
How much you pay for insurance for your tiny home depends on a few factors, including:
Where your home is located
Whether or not it’s stationary
Who built it
Whether it’s certified
How it’s used
As long as your tiny house is stationary and you finance it yourself or with a personal loan, you’re not legally required to insure it. However, once your tiny house hits the road, it’s subject to the same state insurance requirements as cars and RVs. That means that depending on your state, you’ll likely need liability car insurance at the very least.
If you plan on financing your tiny home with an RV loan, your RV lender may also require that you get insurance before letting you take out the loan. Your RV lender’s insurance requirement works like any mortgage lenders’ requirement for home insurance — once the loan is paid off, you’re no longer required to have insurance.
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