Tiny House Insurance Cost in the US: Top 5 Companies to Trust in 2025

Living in a tiny home is about freedom. It is also about simplicity and lower costs. Yet, like any house, a tiny home needs protection. Fire, theft, and harsh weather are real risks. Insurance can protect your biggest investment. Many new owners ask about tiny house insurance cost. Not every company understands the unique needs of tiny house owners.

After researching policies, coverage types, and customer reviews, here are the top 5 insurance companies for tiny homes in the US.

1. Foremost Insurance

Foremost is one of the most popular providers for non-traditional homes. They’ve been insuring mobile homes, RVs, and tiny houses for years.

• Why it stands out: Flexible policies whether your home is on wheels or fixed on land.
• Coverage highlights: Theft, fire, liability, and even roadside assistance.
• Best for: Owners of tiny homes on wheels (THOW).

2.American Family – Tiny House Insurance Cost and Coverage

American Family is known for strong customer service. It offers policies designed for smaller homes and alternative living. Many new owners worry about tiny house insurance cost. Price matters as much as coverage. American Family provides flexible options. Policies can be adjusted to fit different needs and budgets.

Why it stands out: Personalized policies that can include detached structures like sheds, solar panels, or extra storage units.

Coverage highlights: Property damage, liability protection, and optional riders for personal belongings—all important when balancing affordability with reliable coverage.

Best for: Stationary tiny homes built on foundations where predictable tiny house insurance cost matters most.

3. State Farm – Tiny House Insurance Cost and Coverage

As one of the largest insurance companies in the US, State Farm brings reliability and a wide network of agents.

• Why it stands out: Local agents who understand zoning and housing codes.
• Coverage highlights: Liability, dwelling coverage, and add-ons for natural disasters.
• Best for: Tiny home owners who want a trusted, traditional insurer.

4. Strategic Insurance Agency (Specialty Tiny Home Policies)

This smaller agency focuses specifically on tiny homes and RVs, so their policies are more flexible than mainstream providers.

• Why it stands out: Deep understanding of tiny house communities and off-grid lifestyles.
• Coverage highlights: Transit coverage, theft, personal liability, and full-time living protection.
• Best for: Off-grid tiny homeowners or frequent travelers.

5. Progressive

Progressive is widely known for auto and RV insurance, but they also insure tiny homes on wheels.

• Why it stands out: Bundling discounts (auto + home) and broad coverage options.
• Coverage highlights: Collision, liability, and comprehensive coverage for homes on trailers.
• Best for: Tiny house owners who want to combine auto and home policies for savings.

Tips Before Choosing Insurance for Your Tiny Home

• Know your home type: Is it on a permanent foundation or wheels? This changes coverage options.
• Check zoning laws: Some areas classify tiny homes differently, which may affect insurance.
• Bundle policies: Combining home, auto, and even life insurance can reduce costs.
• Ask about full-time living coverage: Not all policies cover tiny homes as a primary residence.

Final Thoughts on Tiny House Insurance Cost

Insuring a tiny home can feel tricky. Knowing the tiny house insurance cost makes decisions easier. Some owners choose large companies like State Farm. Others prefer agencies that focus on alternative living. Either way, there is a policy that fits both budget and lifestyle.

Your tiny home is more than just a structure — it’s your lifestyle. Protect it wisely while keeping an eye on the true tiny house insurance cost that works for you.

For a deeper look at how insurance is shaping the future of alternative living, check out our guide on small home insurance. It explores new trends and what every tiny home owner should know.