Tiny homes can be small, but the risks of owning them can be huge, which is why small home insurance is essential. Depending on the type of your cottage, you will need residential home or mobile home insurance.
Both policies will protect you. Your small home and personal belongings inside are protected from hazards such as fire, theft and falling objects. In addition, they include liability insurance in the event of a lawsuit and coverage for medical benefits in the event of an injury.
Small home insurance is not a universal policy. The best small family insurance companies offer flexible policy options, personalized endorsements, and good customer service. In addition, the best service providers have excellent financial strength, demonstrating the ability to reimburse policyholders after coverage. We compare 10 providers to find the best small home insurance.
The Best Tiny House Insurance in 2021
- Best Overall: Strategic Insurance Agency
- Best for Mobile Tiny Houses: Foremost
- Best for Stationary Tiny Houses: American Family
- Best for DIY Tiny Houses: The Hartford
- Best for Rental Properties: Liberty Mutual
- Best for Vacation Homes: Geico
Strategic Insurance Agency
Whether your tiny mobile home is on a foundation, the best small home insurance provider in general is a strategic insurance agency. The company offers affordable and reliable coverage, easy claims handling and, most importantly, no certification.
- Policies are available for primary, rental, and vacation tiny homes
- Offers coverage in 48 states
- No certifications are required for coverage
- Low coverage limits
- Company doesn’t have a strong reputation
- Not rated by AM Best for financial strength
The Strategic Insurance Agency is not the most well-known provider, but in our comparison it is the best general small home insurer specializing in small home insurance, so their policies are designed to cover any loss you might experience as a small home owner.
In addition, your small home does not require certification to be eligible for insurance. Strategic Insurance Small home insurance policies include home insurance up to $ 250,000, personal property insurance up to $ 25,000, content theft insurance up to $ 3,000, liability insurance up to $ 1 million, and medical bills coverage up to $ 1,000.
You can choose a deductible of $ 500, $ 1,000, or $ 2,500 depending on your budget and the amount you want to pay each month. If you want to customize your policy with approvals, you can add a number of freelance assignment structures, content replacement cost coverage, travel insurance, home theft insurance, and item insurance. New York, short and long term rentals and motels.
To get a quote, you need to use the online form or call the agent. Unfortunately, Strategic Insurance doesn’t have many customer service options. A lesser known company, it is not rated by AM Best for its financial strength.Small Home Insurance through Strategic Insurance is available in 48 states. The company offers a wide range of insurance products, so if you are interested in packaging, we recommend that you contact your agent to find out which plans are available with a small domestic policy.
BEST FOR MOBILE TINY HOUSES
If your cottage is built on wheels, Foremost Trailer Insurance will provide reliable protection during transport. As an added benefit, you can upgrade to a policy that protects your tiny home while it’s parked.
- Option to customize your policy with endorsements
- Easy to file a claim online through the customer portal
- Excellent financial strength with an ‘A’ rating from AM best
- Can’t get an instant quote online
- Website doesn’t include any information about coverage limits or deductibles
Foremost Travel Trailer Insurance is the best choice for small mobile homes traveling around the country. This policy covers the comprehensive coverage of your cottage during transport, and you also have the option of getting extended coverage when your cottage is parked in campsites, trailer parks or private grounds.
Hazards are covered, including collisions, fire, flood, hail, hurricane, animals, theft and even low branches. You can also add proof of attachments, replacement cost coverage, emergency coverage, roadside assistance, vacation coverage, and full-time liability coverage. Most of them sell small home insurance in 49 states (coverage not available in Hawaii and Washington D. Ho). will not be available everywhere.
To get a quote from Foremost, you can request a quote. prices online, but to get customer support you need to call or email an agent to see if your tiny house needs to be certified for coverage and if you’re eligible for any package deals.
BEST FOR STATIONARY TINY
American Family’s mobile home insurance policies cover various types of coverage designed to protect your small permanent home when parked on a camping or private property. Alternatively, you can take advantage of the discount to get a lower premium.
- Build a personalized policy with endorsements
- Generous discounts for policy savings
- Great customer service with a variety of support options
- AM Best financial strength rating of ‘A’
- Doesn’t disclose policy coverage limits and deductible options online
- Can’t get coverage in every state
If you need to insure a small permanent home built on a permanent foundation, American Family is your best bet. The company covers small homes with mobile home insurance and offers the same coverage levels as regular homeowner insurance. offers great savings opportunities and 24/7 support from experienced agents.
provides personal protection. Some of the American Family’s existing approvals include proper bulkhead coverage, other structural coverage, road collision coverage, and concealed water damage coverage. You can also enroll in the declining deductible program to receive $ 100 deductible for each year you go unclaimed. We are very impressed with American Family’s range of portable home insurance drives.
Savings by bundling your policies, installing select smart home devices, buying a new home, paying full premiums, subscribing to automatic payments, and subscribing to paper payrolls. You can use an online calculator to calculate your instant rates. Of all the providers we looked at, American Family clearly has the best customer service.
You can call or email the dealer, meet in person, or use the chat tool to get your questions answered. However, one of American Family’s biggest drawbacks is that the company does not operate in all states, and some coverage and discount options are only available in certain locations. Plus, the company doesn’t mention if your tiny home should be eligible for insurance.
BEST FOR DIY TINY HOUSES
If you are building a home from scratch, The Hartford Builder’s Risk Policy will protect the structure, materials, and equipment until completion, protecting you from potential financial loss.
- Excellent customer service
- Option to personalize your policy with add-ons
- Offers coverage in all 50 states
- A+ financial strength rating from AM Best
- Doesn’t include information about coverage limits or deductibles online
- Only way to contact the company is by phone
DIY tiny home builders must purchase a special type of insurance called builder risk while their tiny home is under construction. Equipment. theft and vandalism. Hartford Construction Company risk insurance policies cover an extensive list of covered hazards, including natural disasters, fires, explosions, hail, lightning and more.
It can help protect building materials, supplies, and equipment like a workplace. and during transportation. You will also have the option to customize your policy to meet requirements such as garbage collection, regulation / law coverage, shipping cost coverage, and property replacement insurance.
Hartford offers builder risk insurance in all 50 states, but depending on where you live, your policy may be signed by one of Hartford’s partner companies. Please note that developer risk coverage is only approved for a specific period of time, depending on how long you expect from the project.
Harford does not post information about policy expiration dates, coverage restrictions, or certification requirements online, so we recommend that you talk to an agent before doing so. Shop to make sure The Hartford has the right flooring for your small DIY home. Telephone.
BEST FOR DIY TINY HOUSES
With sensible discounts, valuable on-line tools, and wonderful client service, Liberty Mutual is our prime recommendation for rental property insurance for little homes.
- Easy to get in touch with a customer service agent
- Several discounts offered for premium savings
- Use the online quote generator to get an instant rate
- ‘A’ rating from AM Best for financial strength
- Your tiny home may need to be certified and meet zoning laws
- Doesn’t include information online about coverage limits or deductibles
Homeowner insurance is required if you have tenants residing in your cottage on a permanent basis, and according to our research, Liberty Mutual is the best choice for rental property insurance. Liberty Mutual stands out for its excellent customer service. with an agent by phone, Facebook, Twitter or text message.
After purchasing your policy, you can easily make changes to your coverage through the online customer portal or mobile app. Liberty Mutual Home Owners insurance policy covers home liability, property insurance and wind / hail insurance, as well as fair value protection, which covers lost rent if your tiny home cannot be rented out due to insurance claims.
You can also add inflation protection to your policy at an additional cost. Mutual discount. You can get lower premiums by taking out a homeowner and home or car insurance policy that is free for at least five years and gets a quote earlier than the previous owner.
Liberty Mutual sells rental property insurance in every state; However, keep in mind that in order to purchase this insurance, your small home will likely need to comply with local building codes and zoning laws, just like a regular home or rental apartment. I’ll do it.In addition, we recommend that you speak with an agent to find out if your small home needs to be certified before purchasing a policy.
BEST FOR VACATION HOMES
Easy to get a quote online
Optional coverages available for enhanced protection
Mobile home and RV insurance policies available
A++ financial strength rating from AM Best
No information online about coverage limits or deductibles
Doesn’t specify if your tiny house needs to be certified
Geico is one of the most reputable insurance companies on the market and is a great choice if you need insurance coverage for a small holiday home that is used seasonally. Geico has a lot of financial strength, 24/7 customer service, nationwide coverage, and several additional policies to protect personalization.
Since Geico offers mobile home / manufacturer and RV insurance policies, you can insure a small mobile home or foundation. objects and explosions; and liability insurance and medical benefits.
You can expand your coverage with additional sports equipment policies, which is ideal if you store skateboards, golf clubs, bicycles, or other equipment in your small home. Capital is only used if your cottage is built on a tourist trailer, An Policy RV is the best choice for you.
Geico RV policies include replacement for total loss, coverage for replacement of personal items, coverage for emergencies and an additional $ 10,000 vacation liability insurance that is automatically included if you have accident insurance.
collision and all risks. When purchasing under Geico’s policy, you need to indicate that you want to protect a small home that is only used for part of the year, so we recommend calling an agent for pricing and certification requirements for your tiny home. You will not find information on the Internet about your coverage limits or franchise options.Fortunately, Geico has 24/7 customer support, including a supervised chat option during business hours.
There are many small family insurance companies out there, but finding the right one for you is often easier than doing it. For example, the American Family has a lot of endorsements, but it is not available in all states. Liberty Mutual is a good rental option. small houses, but only if your property complies with local building codes.
We recommend Strategic Insurance Agency to any owner of a small house on the insurance market. The company has extensive experience in insuring small homes and your home does not require certification. rent, or as a seasonal home.
|Company||AM Best Rating||Average Annual Premium||Policy Options||Customer Service||Other Available Insurance Policies|
|Strategic Insurance Agency Best Overall||N/A||Price by quote only||Tiny house insurance||Phone, online form, and local office||Home, renters, jewelry, mobile home, construction, auto, motorcycle, RV, ATV, boat, umbrella, life, identity theft, travel, and business insurance|
|Foremost Best for Mobile Tiny Homes||A||Price by quote only||Travel trailer insurance||Phone, email, and local office||Home, mobile home, vacant home, seasonal home, landlord, renters, condo, flood, auto, collectible auto, boat, motorcycle, scooter, off-road vehicle, snowmobile, golf cart, electric vehicle, motorhome, travel trailer, fifth wheel, and luxury motor coach insurance|
|American Family Best for Stationary Tiny Houses||A||Price by quote only||Mobile/manufactured home insurance||Phone, email, local office, and live chat||Car, motorcycle, RV/camper, boat, ATV, snowmobile, classic car, home, renters, condo, farm/ranch, business, landlord, life, umbrella, identity theft, credit monitoring, health, and travel insurance|
|The Hartford Best for DIY Tiny Houses||A+||Price by quote only||Builder’s risk insurance||Phone||Home, renters, condo, flood, umbrella, business, auto, commercial auto, classic car, and RV insurance|
|Liberty Mutual Best for Rental Properties||A||Price by quote only||Landlord insurance||Phone, Facebook, Twitter, and text message||Home, renters, condo, landlord, mobile home, flood, umbrella, car, motorcycle, boat, antique/classic car, ATV, RV, life, accident, critical illness, identity theft, pet, tuition, and small business insurance|
|Geico Best for Vacation Homes||A++||Price by quote only||Mobile/manufactured home insurance and RV insurance||Phone, email, live chat, and local office||Car, motorcycle, ATV, RV, boat, collector car, Mexico, business, home, renters, condo, mobile home, landlord, flood, umbrella, life, travel, overseas, identity theft, pet, and jewelry insurance|
Frequently Asked Questions
What Is Tiny House Insurance?
Small home insurance is not a universal policy for everyone; Rather, there are two separate insurance policies that cover the small home: mobile home insurance and recreational vehicle insurance. The right type of insurance for your small home depends on how it was built. Coverage applies to capital and capital cottages. Home insurance covers a small home that is built on a trailer and intended for relocation. Even if you live in a cottage on a permanent basis, it will definitely not be insured by the owner.
How Much Does Tiny House Insurance Cost?
As with traditional home insurance, the cost of insuring a small home depends on many factors, including the type of policy you purchase, the size of the home, its location, the policy’s coverage limit, and the amount of the insurance deduction. Factors such as age, credit rating, and claim history will affect your small home insurance premium. To give you a better idea of the costs, we got a sample quote for American Family’s mobile home insurance, which is $ 1,239 per year for a 200 square foot Denver home for $ 100,000 homeowner insurance.
What Types of Tiny Homes Can Be Insured?
Almost all types of cottages can be insured, but it is much easier to get insurance if your cottage is certified. Industry Association (RVIA), an organization that certifies small mobile homes. You can purchase uncertified smallholder insurance, but you may have fewer options.
What Type of Insurance Coverage Should Tiny House Owners Consider?
There are several types of insurance that small home owners should look into carefully. If yours is a tiny mobile home, you will need mobile home insurance. If your small home is on a foundation, you will need mobile home insurance. You might also consider adding proofs to your policy, such as replacement cost coverage, job requirements, and flood insurance, depending on where your tiny house is located, how it is used, and the level of risk you can take.
How We Chose the Best Tiny House Insurance
To select the most effective small house insurance firms, we tend to researched an inventory of ten suppliers and evaluated each supported factors like policy options, client service, endorsements, easy use, and accessibility. we tend to paid special attention to companies that provide coverage during a majority of states.