Tiny House Insurance Guide
Protect your investment with comprehensive coverage designed specifically for tiny houses and mobile homes.
Types of Coverage
Several insurance options are available depending on your tiny house type and usage.
Mobile Home Insurance
Comprehensive coverage designed for manufactured and mobile homes, perfect for tiny houses on wheels.
- Structure protection
- Personal belongings
- Liability coverage
- Additional living expenses
Best for: Tiny houses on wheels, stationary placement
RV Insurance
Coverage for tiny houses that are frequently moved or used for travel and recreation.
- Comprehensive coverage
- Collision protection
- Roadside assistance
- Vacation liability
Best for: Mobile tiny houses, frequent travelers
Specialty Coverage
Custom insurance solutions for unique tiny house situations and high-value homes.
- Agreed value coverage
- Custom construction
- Off-grid systems
- Business use coverage
Best for: High-end builds, commercial use, unique needs
What's Covered
Comprehensive protection for your tiny house investment and peace of mind.
Typically Covered
Structure & Systems
Frame, walls, roof, plumbing, electrical
Personal Property
Furniture, appliances, belongings
Liability Protection
Accidents on your property
Weather Damage
Wind, hail, storm damage
Fire & Smoke
Fire damage and smoke cleanup
Theft & Vandalism
Stolen or damaged property
Common Exclusions
Floods
Requires separate flood insurance
Earthquakes
Usually requires additional coverage
Wear & Tear
Normal aging and maintenance issues
Neglect
Damage from lack of maintenance
Business Activities
Commercial use may need separate policy
Transit Damage
May require additional moving coverage
Insurance Costs
Understanding what affects your premiums and typical cost ranges.
Typical Cost Ranges
Actual costs depend on home value, location, coverage limits, and deductible choices.
Factors Affecting Cost
Home Value
Higher value = higher premiums
Location
Weather risks and local rates
Construction Quality
Better materials = lower rates
Safety Features
Smoke detectors, security systems
Deductible Amount
Higher deductible = lower premium
Claims History
Clean record = better rates
Insurance Resources
Companies that specialize in tiny house and mobile home coverage.
Specialized Insurers
Tiny House Insurance
Specialists in tiny home coverage
Strategic Insurance
Custom tiny house policies
Good Sam Insurance
RV and mobile home coverage
National General
Mobile and manufactured homes
Getting Started
Shop Around
Get quotes from multiple providers
Have Documentation
Construction details, certifications, photos
Review Coverage
Understand limits and exclusions
Update Regularly
Review policy annually
Need Insurance Guidance?
We can help connect you with insurance professionals who understand tiny houses.