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Compare tiny house insurance
Size up the best policy based on how your small space is built.
Your tiny house may qualify as a mobile home or RV, depending on if it’s built to frequently move locations. However, you might need special certification to buy mobile home or RV insurance in the first place. Consider whether these policies work for you or whether you need even more specialized tiny house insurance.
What kind of insurance do I need for a tiny house?
Tiny houses fall in a gray area because they can fit into several insurance categories. The main factors that influence the type of insurance needed are your home’s mobility and whether it’s certified.
Also, many tiny homes aren’t required to keep insurance, especially if they don’t qualify as permanent homes and don’t have a mortgage. Depending on all of the above, you might need one of these insurance policy types:
You’ll likely want to look into RV insurance if your home is built on a trailer or includes wheels, especially if you move from location to location. This policy can protect you on the road or while parked at an RV site.
Mobile home insurance
If your tiny home is built on a foundation or through a builder, you might qualify for mobile home insurance. This policy works similar to standard home insurance, but you won’t have collision coverage for moving locations unless you add it.
Standard home insurance
Your tiny home would need to adhere to local zoning laws, building codes and size dimensions to qualify for standard home insurance. This coverage doesn’t work for most tiny homes.
Tiny home insurance
A few insurance companies specialize in insuring tiny homes, offering coverage that meets their unique risks. But you might research each company’s ratings and credentials to make sure buying a policy is a sound investment.
What coverage should I get for a tiny house?
You typically need protection for the tiny home itself, personal belongings and any risks involved with moving the house. However, the type of coverage you buy depends on whether your tiny house qualifies for mobile home or RV insurance.
Coverage for tiny homes with wheels
- Bodily injury and property damage liability. Pay for expenses related to bodily injuries or property damage that you cause on the road or that happen on your property.
- Uninsured or underinsured motorist. Protect against drivers who don’t carry enough insurance to repair home damage if you get into an accident while transferring locations.
- Collision. Safeguard against physical damage to your tiny house if a vehicle accident was your fault.
- Comprehensive. Pay for repairs if an incident damages your home unrelated to a collision. For example, you’ll get protection for weather damage or theft.
- Personal contents. Shelter personal belongings from theft or other damage similar to what’s covered for your house.
- Roadside assistance. Keep road trips free from hassle if you break down because of lack of fuel, flat tires, key lockouts or mechanical breakdowns.
- Full-timer coverage. A few companies offer packaged coverage to protect homeowners living in their RV or tiny home full time.
Coverage for stationary tiny homes
- Dwelling and other structures. Protect your tiny home and other buildings around it from physical damage.
- Personal property. Get protection against theft of or damage to your belongings.
- Replacement cost coverage. Consider this option so you can replace your home or personal belongings without paying out of pocket for depreciation.
- Additional living expenses. Reimburse higher living expenses than the norm if your tiny home becomes uninhabitable from damage.
- Trip coverage. Add this collision coverage to a mobile home policy shortly before moving your home to another area.
How can I get cheap tiny home insurance?
Shrink your home insurance premium by choosing the cheapest types of policies and qualifying for discounts, using these tips:
- Avoid an RV policy. Because an RV policy insures against the risks of the road, you could pay more for this policy than other options like mobile home insurance.
- Get green discounts. Going off the grid? Some insurance companies offer discounts for environmentally friendly homes.
- Deck out with safety devices. Even tiny homes can use fire and theft alarms, smoke detectors or a security system for added protection and lower premiums.
- Bundle car and home or RV insurance. Keep your car and mobile home or car and RV policies under the same company for a multipolicy discount.
- Add home-sharing coverage to a standard policy. If you rent out your tiny home just as an extra room in your house, you could go for a home-sharing endorsement on your standard home insurance. This option may cost the least.
What should I watch out for?
Living in a tiny home presents a few sizable challenges for insurance, including:
- Building or RV certification. Your tiny house may need certification to get RV or mobile home coverage, such as from the Recreational Vehicle Industry Association (RVIA) or U.S. Department of Housing and Urban Development (HUD).
- Seasonal RV coverage. If you opt for RV insurance, remember that this policy is designed for RVs used as vacation or temporary homes. You’ll need to verify your policy to ensure you have the protection needed for living in your tiny house full time.
- Unrated insurance companies. Some tiny house insurance companies don’t have proper certification or strong finances. To protect yourself, consider companies who have strong financial ratings from AM Best or are backed by reputable underwriters.
- Self-built tiny homes. If you build your house yourself and don’t have the proper documentation or use an uncertified builder, you may have more difficulty getting insurance.
- Permanent residency. If your tiny home doesn’t qualify as a traditional home, you may not be considered a permanent resident of your area.
Tiny homes stand as a new branch of the housing market, and that newness comes with some confusion when getting insurance for them. You can weigh options for your mobile home or RV coverage based on how much you move between locations.
Frequently asked questions about tiny home insurance
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