How To Insure A Tiny Home?

If you live in a tiny home, you may think that your insurance needs are different than those of people who live in regular-sized homes. However, the Insurance Information Institute (III) says that the insurance needs of tiny homeowners are not much different than everyone else’s. The III recommends that all homeowners have four types of insurance: homeowner’s, auto, umbrella liability, and health.

Here is a more detailed look at each type of insurance and how it can help protect you if you live in a tiny home.

  • There are a few things to keep in mind when insuring a tiny home
  • The first is that most insurance companies will not insure homes that are less than 400 square feet
  • This means that you will need to find an insurer that specializes in tiny homes or alternatively, look for an insurance rider that can be added to your current homeowner’s policy
  • The second thing to consider is the value of your tiny home
  • Because these homes are often built with high-quality materials and custom features, they can be quite expensive to replace
  • Make sure to get an estimate of the replacement cost of your home so that you can insure it for its full value
  • Finally, pay attention to the policy limits on coverage for detached structures
  • Many standard homeowner’s policies have limits on how much they will pay out for damages to detached structures like sheds or garages
  • If you have a detached structure on your property, make sure it is adequately covered by your policy
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How to Purchase Tiny Home Insurance

What are the Insurance Requirements for a Tiny Home

There are a few things to consider when it comes to insuring your tiny home. The first is whether you want to insure your home as an RV or as a dwelling. If you insure it as an RV, you’ll need to have liability insurance in case of any accidents.

You’ll also need to make sure that your insurance policy covers the full value of your home in case it’s totaled in an accident. If you insure your tiny home as a dwelling, you’ll need to have homeowners insurance which will cover the structure of your home, your personal belongings, and liability in case of any accidents. The second thing to consider is what kind of risks you’re insuring against.

For example, most homeowners insurance policies will cover damage from fires, storms, and theft. But if you live in an area that’s susceptible to earthquakes or floods, you’ll need to purchase additional coverage for those specific risks. Finally, make sure to shop around and compare rates from different insurers before choosing a policy.

Insurance requirements for tiny homes can vary depending on the insurer so it’s important to find one that offers the coverage you need at a price you can afford.


Tiny homes are becoming more popular, but they can be difficult to insure. Home insurance companies typically consider tiny homes to be either personal property or recreational vehicles, neither of which are covered under standard home insurance policies. Some companies will cover tiny homes under a personal property policy if the home is used as a primary residence, while others offer speciality RV insurance policies that can provide coverage for both full-time and part-time residents.

To get the best coverage for your needs, speak with an agent about what options are available from your insurer.

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This is Anthony Thompson, chief editor and the founder of this site, Tinyhousegarage. I'm a home architect. Basically, I've created this site to help people build tiny houses with a limited budget and land space or people who are homeless. As a home architect, I became very disheartened when I saw homeless people around me, which influenced me to create this site to help people build beautiful tiny houses.

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