Securing Coverage for Tiny Houses on the Move

Tiny houses on wheels offer a unique lifestyle, but when it comes to insurance, they present some unique challenges. Traditional homeowners insurance may not cover tiny houses. However, there are options available, and understanding them is crucial.

Why is Insuring a Tiny House on Wheels Challenging?

Classification: Tiny houses often fall into a gray area between RVs and traditional homes. This classification ambiguity can make it difficult for insurance companies to categorize and insure them.

Mobility: Tiny homes on wheels are frequently moved, increasing their risk. Insurance companies may view this as a higher risk for accidents and theft.

Customization: Tiny houses’ custom designs complicate value assessment. This makes finding suitable coverage challenging.

Zoning Laws: Varying local zoning laws and regulations can impact insurance availability and costs.

Building Codes: Many tiny houses may not meet standard building codes, which can affect insurance coverage.

Common Insurance Options for Tiny Houses on Wheels

RV Insurance: This is often the most common option, as it’s designed for mobile homes. Not all RV insurance covers tiny houses. Customized or unique features may be excluded.

Manufactured Home Insurance: If your tiny house is permanently attached to a foundation, you may be able to obtain manufactured home insurance.

Homeowners Insurance with an Endorsement: You may add an endorsement to your current homeowners insurance. This could extend coverage to your tiny house. However, this is less common and may require special underwriting.  

Tips for Insuring Your Tiny House on Wheels

Document Everything: Maintain detailed records of your tiny house’s construction. Include permits, inspections, and receipts.

Shop Around: Get quotes from multiple insurers to compare coverage and costs.

Consider a Specialized Agent: An agent experienced with tiny homes or RVs can offer helpful guidance. Their expertise is valuable for unique property insurance. 

Understand Your Policy: Read your policy carefully to ensure you understand what is and is not covered.

Consider Additional Coverage: Consider extra coverage for personal belongings. Also, include liability and transportation protection.

In conclusion, insuring a tiny house on wheels can be more complex than insuring a traditional home. Understand the challenges first. Then, work with an expert to secure the right coverage.