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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.
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.
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.
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.
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.
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.
Shrink your home insurance premium by choosing the cheapest types of policies and qualifying for discounts, using these tips:
Living in a tiny home presents a few sizable challenges for insurance, including:
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.
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