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What type of insurance should I get for my tiny house?
How can I insure my tiny house? I have a 53-acre plot of mountain land in Montana. My tiny house is finally completed; it is a 320 square-foot, single-container home. It is connected to water and electric lines but mainly runs off solar energy. What type of insurance would be best for me?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While it can be a challenge, you can and should get coverage for your tiny house.
Insurance companies have not caught up with this latest trend yet, so partner with a
local insurance broker
who can help you navigate through all the red tape. The type of coverage depends on how your home was constructed.
Many homeowner’s insurance companies have requirements for:
- square footage
- electrical
- plumbing
- heating
- state zoning requirements
- built by a licenses contractor
If your tiny home is on wheels, you may be able to purchase a simple RV or camper policy. These policies can have both liability and personal property coverage.
If your tiny home is permanently attached to a foundation and is zoned as a home, you may get coverage with a standard homeowners policy or a manufactured home policy.
GEICO
may be a good choice since they can quote both types of policies. If you cannot get a policy that includes dwelling coverage right away, make sure to secure a renters policy in the meantime.
Since a renters policy does not insure the structure of the home, it may be easier to obtain. It will at least provide liability and personal property coverage while you continue to search for a more permanent solution.
Choosing the best renters policy can be easy with the help of the free
Jerry
app. Jerry shops with over 50 insurance providers for both auto and renters and delivers the quotes directly to your phone.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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