Congrats on the new adventure! They might be small, but tiny homes can face big problems; it’s smart that you’re looking into getting insurance for yours. Their size can make them more vulnerable to certain risks, like severe weather.
Some providers who insure tiny homes include:
Standard homeowners insurance may not cover tiny homes, but you can always check when shopping for quotes. Tiny homes on solid foundations will likely be able to fall under a policy for mobile or manufactured houses, which would have many of the same covered perils
as a standard home insurance policy. People’s ideas of what a tiny home is can vary, so let’s quickly clarify what kind of home we’re talking about. The standard definition of a tiny house is a space under 400 square feet. Tiny homes can be on wheels, similar to a trailer or RV setup, or on a solid foundation – and this distinction can make or break whether some insurance companies will insure your tiny home.
Insuring a tiny home on wheels can be trickier, as some insurance providers won’t provide insurance if your home is going to be traveling around, presumably increasing the risk for damages. While some companies may still insure it under a mobile home policy, another route could be RV insurance. A standard policy will likely include protections against severe weather, theft, and vandalism.
You can narrow down your options based on your tiny home’s foundation type and what you want protected. If you need help with the process, home and car insurance broker and comparison app Jerry
is here! It only takes about a minute to answer several questions, and then you can review competitive quotes from top insurance companies to find the best policy for you.