What type of insurance should I get for my tiny house?

How can I insure my tiny house? I have a 53-acre plot of mountain land in Montana. My tiny house is finally completed; it is a 320 square-foot, single-container home. It is connected to water and electric lines but mainly runs off solar energy. What type of insurance would be best for me?

Answer
“While it can be a challenge, you can and should get coverage for your tiny house.
Insurance companies have not caught up with this latest trend yet, so partner with a local insurance broker who can help you navigate through all the red tape.
The type of coverage depends on how your home was constructed.
Many homeowner’s insurance companies have requirements for:
  • square footage
  • electrical
  • plumbing
  • heating
  • state zoning requirements
  • built by a licenses contractor
If your tiny home is on wheels, you may be able to purchase a simple RV or camper policy. These policies can have both liability and personal property coverage.
If your tiny home is permanently attached to a foundation and is zoned as a home, you may get coverage with a standard homeowners policy or a manufactured home policy. GEICO may be a good choice since they can quote both types of policies.
If you cannot get a policy that includes dwelling coverage right away, make sure to secure a renters policy in the meantime.
Since a renters policy does not insure the structure of the home, it may be easier to obtain. It will at least provide liability and personal property coverage while you continue to search for a more permanent solution.
Choosing the best renters policy can be easy with the help of the free Jerry app. Jerry shops with over 50 insurance providers for both auto and renters and delivers the quotes directly to your phone.”
avatar
Shannon Martin
Answered on Jul 27, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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