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The cost to insure a tiny house varies depending on the value of your home, the amount and types of coverage you need, and your deductible—among other factors. That said, the average cost of a tiny house insurance policy is around $600 per year.
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Read More »For that reason, shopping for tiny house insurance can be confusing and frustrating. To help you get started, we reviewed the best insurance providers. Take a look below and find the one that's right for you. Like any home, a tiny house is an investment you want to protect. However, because of the unique characteristics of tiny homes, finding an insurance policy isn't often as straightforward as getting homeowner's insurance. Depending on your situation, you may only need a standard homeowner's policy, or you could potentially need options like RV insurance or a manufactured home policy. Best Overall: American Modern Insurance Group American Modern Insurance Company Get a Quote American Modern Insurance Group is a top-rated insurer by AM Best (a credit agency) that offers tiny house insurance as part of its manufactured home policies. Coverage is broad and includes everything from liability to personal property and water damage. In addition, insurance is even available for homeowners with prior losses, lapsed coverage, and credit issues—and there are no age restrictions on the home. Standard policies include comprehensive protection, meaning the company covers everything not explicitly excluded from the policy, and, in case of a claim, it settles at the stated value of the home. Other structures, additional living expenses, and reasonable expenses—like emergency repairs—are also covered. Beyond standard coverage, American Modern offers extensive optional policies for earthquakes, vandalism, and theft of personal items or items permanently attached to the home. Tiny house owners interested in an American Modern policy can create an account to get a quote or contact an agent through the company's website. Why it's a fit for Treehugger: American Modern is our overall best choice because it offers a wide range of coverage options that can be specifically tailored to the needs of your tiny house. Best Flexible Coverage: American Family Insurance American Family Insurance Get a Quote Like other insurers on our list, American Family Insurance offers a range of insurance products, including life and business insurance to homeowners and auto insurance. As part of its flexible offerings, AmFam can also insure tiny houses under a number of policy types—including homeowners, personal property, RV, or manufactured/mobile home coverage. This means you’re more likely to find a policy that fits your needs—regardless of whether your tiny house is on wheels, on a foundation, parked in your backyard, or on the open road. If you’re in the market for tiny house insurance, you can also take advantage of American Family’s easy-to-use online quote tool. Plus, there are several discount opportunities, including bundling options for home and auto coverage, as well as smart-home, full-pay, auto-pay, and paperless billing discounts. Why it’s a fit for Treehugger: American Family Insurance is our top choice for flexible coverage because it provides tiny house owners with a number of different policy types. Best for Accessory Dwelling Units: State Farm State Farm Get a Quote With a stellar rating for financial strength by AM Best, State Farm is a popular conglomerate of insurance companies that offers comprehensive homeowners policies (among other major coverage areas). If you have a tiny house permanently located in the backyard of your residence, you can build a State Farm policy with coverage limits that takes the value of that tiny house into account. This is a great option if you use your tiny house as an office or a guest house. State Farm makes it easy to get a quote online, but you must provide extensive information about the main house and the detached tiny house structure. Luckily, the platform makes it easy to save your application if you need to take a break, so don’t worry if you don’t have all of the necessary information ready to go. As a State Farm policyholder, you’ll also be able to save money by combining coverage. Why it’s a fit for Treehugger: We chose State Farm as the best choice for accessory dwelling units because of the company’s homeowners policies and coverage for detached structures.
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Read More »Best for Full-Time Residents: Foremost Insurance Group Foremost Insurance Group Get a Quote Foremost Insurance Group offers tiny home-specific coverage, including personal property and additional living expenses. And while some insurance providers only issue policies to people who live in their tiny house part-time, Foremost writes policies for full-timers. Policyholders also benefit from a diminishing deductible. Foremost tiny house policies are available through its Travel Trailer Program if a manufacturer builds the tiny house to Recreational Vehicle Industry Association (RVIA) standards—or that is certified by the National Organization for Alternative Housing (NOAH). A policy can be obtained through the Foremost Dwelling Fire program if the tiny house is only for personal use and is built on a foundation. These more permanent tiny houses may also be eligible for coverage under the Specialty Dwelling program. With so many options available for full-time tiny house residents, Foremost also makes it easy to get a quote. Just enter your ZIP code, and Foremost will provide a list of nearby agents. Why it's a fit for Treehugger: Foremost stands out because it offers full-time policies for both movable and more permanent tiny houses.
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