Your Tiny House may be the most valuable asset you own in your life. Protection for it may very well be second most important. After all, weather damage, fires, and theft are all real world situations and although tiny houses on wheels can run, they can't always hide.
Take it from Dee WIlliams's friend, Kim Langston...
Meg and Brandy of Tiny House 43 who accidently,improperly disposed of hazardous materials after a long day of building...
and Casey Friday, whose tiny home was stolen and pawned.
While no one relishes being an example of the unfortunate, there were things we all took away from it.
That is the beauty of the Tiny House community. Remember when everyone came together to crowdfund Kim Langston's rebuild after her tiny house was caught in a barn fire? or when Tiny House 43 restored what they could from the ash covered sheathing? Or when news was shared of Casey’s quest to get justice from the thieves and reunite with his long lost tiny home?
We watched, were moved to help and encourage until all those challenges were overcome. The harder the struggle, the sweeter it was to celebrate their victory! And we all learned what NOT to do.
While some factors we can control (parking farther from adjacent buildings, taking the time to properly dispose of hazardous materials, or buying hitch and wheel locks). Some, we simply can not. Insurance for Tiny Houses under all unique circumstances, settled in one place or rolling along a highway, is non-existent. However,there are efforts in progress and it is a great opportunity for insurance agents to hop on board the Tiny house market.
Tiny Housers who creatively received insurance:
Luise and Shawn, of Runaway Shanty, and their blog post "Our Tiny House is Weatherproof,Insured,Registered,and Road Experienced"
#1 - No matter what insurance you pursue,work with an insurance agent to work through the loopholes. It will also help other tiny home owners in the future by being able to recommend them to an agent that has already written an accepted coverage.
#2 Look for a reputable insurance agent already exploring the Tiny House insurance market.
Darrell Granz Insurance finalized a deal that will allow them to offer tiny home coverage in all US states (except Alaska & Hawaii), not just the West Coast states they currently serve. Even better, they will have coverage for transporting your tiny home and the unique solutions.
Coverages that will soon be available: moving Tiny Homes on wheels, full-time residents, self-built, construction type, tiny home rentals, AirBnB, and other alternative structures.
Archambault Insurance, CT, used by Runaway Shanty Tiny House.
Insurance Resource Center,Neil Gritz, Fairfield, IA, used by Aleks Lisefski.
Foremost Insurance (related to Farmers Insurance), has been confirmed to write insurance for tiny houses. American Modern Insurance is another option for insuring your tiny house. Where there's a will, there is always a way. Don't let a gap in insurance discourage you to build tiny. BIG things are happening!
Published on 6/16/2021. Published in Tiny House Research.