Tiny House Insurance

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.

rp_Kim-Langston-Tiny-House-Fire-After.jpg Take it from Dee WIlliams‘s friend, Kim Langston…

Saturday, April 4th - the discovery of the fire - and Sunday, April 6th after starting the cleanup process.

Photo:Tinyhouse43.com

Meg and Brandy of Tiny House 43 who accidently,improperly disposed of hazardous materials after a long day of building…

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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:

#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 State Farm Insurance), only rumored to be able to insure tiny houses since they cover mobile homes, boats, etc.

 

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!

This entry was posted in Tiny House Research by Erin Harmon. Bookmark the permalink.

About Erin Harmon

Erin Harmon Vazquez is a Tiny House enthusiast, Family Education Specialist, Steeped Tea consultant, Guitarist & vocalist in a local Americana band,CartWheel, and Social Media Maven for Tiny Home Builders. She resides in Connecticut with her husband and four year old son, where they are in the planning stages of building a Tiny House as transitional living to a mortgage-free foundation home.

4 thoughts on “Tiny House Insurance

  1. Casey Friday said:

    “Insurance for Tiny Houses under all unique circumstances, settled in one place or rolling along a highway, is non-existent.”

    I got a quote from an insurance agency in San Antonio, TX, and had an insurance policy ready to go within about 30 minutes of starting my search for insurance. The only catch was that the house needed to be finished before starting the policy (which is why it wouldn’t have helped in the theft, since it wasn’t finished yet).

    I got the quote through Access Insurance in San Antonio, and told them exactly what the house was, and they still said they’d insure it. It probably just takes a bit more looking than most people are up to.

    • Erin Harmon said:

      Casey Friday! Thanks for sharing.

    • Karen said:

      Casey,
      I ran into the same thing BUT I found out that I could get construction insurance while I complete my tiny house construction. That being said, I strapped it to the concrete foundation and now have it insured while I finish my build. For the amount of coverage I needed, it ran me just under $600 for the year and I will have enough to rebuild if the anything happens plus peace of mind when the weather gets bad!

    • Ryan McLaughlin said:

      Thanks for the tip. Perhaps they changed their policy, but just called them and they said they do not cover Tiny Houses.

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