Tiny homes are becoming a trend all over the country. They can be much less expensive than traditional homes, and they also allow people to live a pared down lifestyle. If you own a tiny home, or are thinking about buying a tiny home, we have the right kind of insurance for you.
Your tiny home needs the right kind of insurance coverage, including coverage for the structure, improvements, and contents. Tiny home insurance policies mimic traditional homeowner’s insurance, yet are unique. Policies are available for certified and do-it-yourself built tiny homes. Some carriers require an on-site inspection and an inspection of the electrical system by a certified electrician. We recommend your tiny home be certified to help us get the best insurance coverage available.
Coverage can include:
· Coverage for transportation
· The structure
· Theft
· Personal effects
· Personal liability
· Outside improvements
If someone who is certified by the National Organization of Alternative Housing (NOAH) built your tiny house, and you seldom move your home, your insurance options may include a manufactured homeowner’s insurance policy.
You should also be aware that the moment you hitch up your tiny home on wheels to tow it, your homeowner’s insurance policy may no longer provide coverage, unless you have added the proper coverage.