Your Ultimate Guide to Tiny House Insurance

Look at you doing your tiny house research by reading our tiny home blog again! If you keep it up, there is sure to be a tiny house in your future! (Maybe our new Onyx model, perhaps?!)

Here at Mint Tiny House Company, we have a ton of tiny home floor plans to choose from, but regardless of which tiny house design speaks to your soul, there is one thing you’ll definitely need to know: how to insure your brand new tiny home!

If you find the idea of insuring a tiny house on wheels overwhelming, please keep reading because this tiny house blog post was written especially for you! 

We’ve done the stressful part, so you can sit back and continue browsing our tiny home gallery. 

And when you pick a model (the Napa?! Are you going with the Napa?!), here’s what you’ll need to know about tiny house insurance!

Tiny House Insurance

Can you get insurance on a tiny house? Absolutely! And we would definitely recommend you do so first thing. After all, a tiny house is a home, and you wouldn’t go without home insurance, right?

But just because a tiny house is a home doesn’t mean you can get a traditional homeowner’s insurance policy. 

In fact, you probably can’t. This is where people start cursing Google and wondering how in the heck people get to the part where they can relax and enjoy the tiny house lifestyle. But don’t worry; you can buy tiny home insurance!

Shopping for tiny home insurance will go so much easier if you understand one (tiny!) thing.

Tiny houses are considered personal property and not real estate since they are not permanently affixed to land. 

And in the eyes of most insurance companies, this makes them “not a home” and, therefore, ineligible for a traditional homeowner’s insurance policy. 

Someday, the world will catch up and realize that tiny houses are homes, but in the meantime, here are some places where you can buy insurance for tiny houses!

Insurance Agencies That Offer Tiny House Insurance - Canada

Aviva Elite

Do you want to buy a tiny house in Canada? Because if so, we can probably help you out with that! 😉 And once you take possession of your tiny house, you'll want to talk to the team over at Aviva Elite. Aviva Elite is a full-service insurance brokerage that can insure all kinds of things. You may be looking at an RV policy to cover a tiny home on wheels, but be sure to ask about your options!

BrokerLink

BrokerLink is an insurance brokerage that connects you with experts who can find you coverage for a wide range of things. Like tiny houses, for instance! We appreciate that they are tiny home literate and know that tiny home owners deserve coverage too!

HUB International

HUB International prides itself on protecting the things that are most important to you. So if you plan to buy a tiny house in Canada, you’ll want to check them out! HUB offers a wide range of products, so it pays to be patient until you get to the right department. But hey, for tiny house insurance in Canada, we’re happy to hold for the next available representative!

Insurance Agencies That Offer Tiny House Insurance - USA

Strategic Insurance Agency

Do you want to buy a tiny house in Canada? Because if so, we can probably help you out with that! 😉 And once you take possession of your tiny house, you'll want to talk to the team over at Aviva Elite. Aviva Elite is a full-service insurance brokerage that can insure all kinds of things. You may be looking at an RV policy to cover a tiny home on wheels, but be sure to ask about your options!

Mac Insurance Inc.

Mac Insurance offers insurance for a tiny home on wheels and insurance for yurts! Here at Mint, we only build tiny houses and park model homes, but hey, it's always good to find an insurance carrier with options., right?! Because isn't having options what the tiny house lifestyle is all about?

Progressive

Progressive insurance is not quite as plug-and-play as the others on this list, but some tiny home owners have been known to source their insurance through Progressive. They don't offer a "tiny house insurance policy" per se, but they do have options for mobile home and RV insurance which your tiny house may qualify for.

Covertree

Cue celebration music because Covertree offers insurance for manufactured homes, modular homes, ADUs, park models, stationary travel trailers, aaannnnd tiny homes! So while it’s always good to shop around for rates, we hope it gives you peace of mind to know that Covertree covers it all!

Tips for Purchasing Tiny Home Insurance

  1. Even if a company offers insurance that will cover a tiny house, they may not call it a “tiny house insurance policy.” In fact, they probably don’t. It’s more likely that you will be getting an RV insurance policy or even mobile home insurance
  2. When shopping for tiny house insurance, it helps to remember that not everyone knows what a tiny house is at this stage of the game. You might say “tiny house,” and the insurance salesperson could assume you’re referring to a small traditional house. So remember to clarify! (And also know when to just call your tiny house an “RV” for the sake of the conversation!
  3. Read your policy carefully! Sometimes policies will only cover a tiny house when it’s stationary. Others won’t protect you in the event of wind damage. Reading an insurance policy can be tedious, but it’s worth settling in with a good cup of coffee and giving it a read-thru at least once before you sign on the dotted line. Don’t forget to source separate transportation insurance if it’s not included in your policy!
  4. Insurance policies and prices are always changing, so be sure to shop around before you settle on an insurance policy for your tiny home. 
  5. Once you have your policy, it’s best to keep a physical and digital copy of it handy. Hopefully, you’ll never need it, but if you do, you’ll want it to be somewhere you can access it easily!
  6. Remember not to get overwhelmed. We know that’s easier said than done, but our goal at Mint is to be your ultimate source of support throughout your tiny home journey. So if you need help, remember that we care and are only a phone call away!

Did you enjoy today’s tiny house blog? If so, we’d love for you to download our tiny home Insurance & Registration Guide. It goes into even more depth on this very important subject, so you can step into tiny home ownership fully prepared. 

And speaking of being prepared? Can we just leave you a virtual high-five?

We believe in you, your tiny home journey, and your vision.

And when you’re ready, we’d love to meet you! 

Just book a consultation to tell us what’s inspiring you to choose the tiny house lifestyle, and hit us with your questions! And why wait? After all, your best life could be just around the corner!

That’s for reading, and don’t forget to subscribe before you go! We’ll be back next week with more high-quality tiny house content made especially for you!

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