Your Tiny House may be the most valuable asset you own in your life. Protection for it may very well be the 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...
Photo: Tinyhouse43.com
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, and were moved to help and encourage ourselves 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 Houser's who creatively received insurance:
Aleks Lisefski, of The Tiny Project, and his blog post on Tiny House 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.
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!
There is a fact finding mission that everyone goes through when they are starting out looking to go tiny. During this search, most people’s idea of what size they want their house to be changes a couple of times. There are definitely some pros and cons to the different sizes that are out there. Here are some of items to look over when considering your tiny house size.
Whether you have been considering tiny living for a while now, or you are brand new to the movement, research is an intricate part of gaining the knowledge that you need and answers to the questions you have. Here are a few great tips to help you make the most of your time and efforts in your tiny house research.
Let’s face it. Going tiny is no small endeavor. We all desire or even resolve to get organized, downsize our personal belongings, and simplify our lives. But actually going through with the major change that is going tiny is tough to attempt. Don’t worry, there are warning signs to help you see if this is the right time in your life to tackle this massive undertaking. Here are five signs that you are not ready to go tiny.
People contact us all the time with questions about going tiny and the tiny house lifestyle. We wanted to share the most common questions so that people could get a feel for what others out there are thinking most about when it comes to going tiny. So, without further ado, here are the top ten common tiny house questions and their answers.
Something exciting is about to happen! You are searching for the most important feature of your Tiny House to be. The cornerstone. The Foundation. The Trailer. What should you be looking for in a trailer that is about to carry your home? I recently purchased a tiny house trailer and this is a summary of all the items I considered.