What are the best tiny house insurance companies of 2025? Tiny homes are rapidly growing more and more in numbers and popularity. With this rapid growth in the horizon, securing the right insurance coverage is crucial for protecting your investment.
Tiny houses, whether they are on wheels or foundations, come with unique insurance requirements that differ from standard homeowners’ or renters’ insurance policies.
Unlike traditional homes, tiny houses are often mobile, custom-built, and subject to zoning laws that impact coverage options.
Finding the best tiny house insurance requires understanding the specific risks involved, such as damage during transportation, liability concerns, and coverage for custom-built features.
In 2025, several insurance companies stand out for offering comprehensive policies tailored to tiny house owners.
What To Look For In Tiny House Insurance
Not all insurance policies are designed for tiny homes, and selecting the right coverage requires careful consideration. Tiny house insurance should provide comprehensive protection for your dwelling, personal belongings, and liability concerns.
Here are some factors to look out for in tiny house insurance:
- Dwelling Coverage: This coverage protects against damage from fire, storms, theft, and other disastrous events.
- Travel Coverage: If your tiny home is on wheels, you’ll need protection while transporting it.
- Liability Insurance: It covers accidents that may occur in or around your tiny home.
- Customization Protection: Many tiny homes are custom-built, so the policy should account for unique features.
- Zoning and Legal Compliance: Additionally, you must ensure your home meets insurance and legal requirements based on its location.
Best Tiny House Insurance Companies Of 2025
Now that we have identified the factors you must look out for in tiny home insurance, let’s look at the best tiny house insurance companies of 2025:
Strategic Insurance Agency (SIA)
SIA specializes in tiny home insurance, where they offer policies that cater to both stationary and mobile tiny houses. Some of their policy inclusions include:
- Full Replacement Cost Coverage: This ensures full compensation for rebuilding costs.
- Travel Protection: It covers damages incurred while relocating the tiny home.
- Liability Protection: Provides extensive liability coverage for owners and guests.
Foremost Insurance
Foremost Insurance, which is a subsidiary of Farmers Insurance, is also well-known for providing specialized coverage for tiny homes. Some of its coverage options include:
- Customizable Policies: This allows owners to tailor coverage based on specific needs.
- Comprehensive Coverage: This protects against property damage, theft, and liability claims.
- Mobility Coverage: This coverage option is ideal for tiny homes on wheels, covering travel-related risks.
American Modern Insurance Group
American Modern Insurance offers flexible policies designed for unique home structures, including tiny houses. Their coverage includes:
- Coverage for Custom Builds: This includes protection for specialized design elements.
- Flexible Policy Options: This offers coverage for homes both on foundations and on wheels.
- Theft and Vandalism Protection: Ensures safety from property damage and break-ins.
State Farm Tiny House Insurance
State Farm provides coverage for tiny homes in select areas, with policies customized for different tiny house models. Their coverage option include:
- Standard Homeowners-Style Coverage: This coverage option covers stationary tiny homes similar to traditional houses.
- Personal Property Protection: This ensures that personal belongings are covered.
- Local Agent Support: Personalized service through a vast network of agents.
Progressive Tiny Home Insurance
Progressive is a trusted name in vehicle and home insurance, and they offer coverage suitable for tiny houses on wheels.
- RV-Style Insurance: Protects against damages while on the road and parked.
- Full Liability Protection: Covers injuries and accidents involving the tiny home.
- Affordable Rates: This insurance provider also offers competitive pricing for both stationary and mobile tiny homes.
How To Choose The Best Tiny House Insurance Policy
Finding the right insurance for your tiny home involves assessing your living situation, location, and budget. Here are the things to do when it comes to choosing the best tiny house insurance policy:
- Determine If You Need RV or Homeowners Insurance: If your tiny house is on wheels, then getting an RV-style policy may be best. Homeowners insurances are best suited for stationary homes.
- Check for State and Local Regulations: Some insurance providers only cover tiny homes that meet zoning and building codes.
- Compare Coverage Options: Another thing you can do is to look at different companies and their policies to find the best coverage for your unique needs.
- Consider Bundling Policies: If you have auto or renters insurance, bundling could save you money.
Frequently Asked Questions
Do I Need Insurance For A Tiny House On Wheels?
Yes, you do. A tiny house on wheels is often classified as a recreational vehicle (RV). Hence, it requires specialized insurance for protection while traveling and when parked.
Is Tiny House Insurance Expensive?
Tiny house insurance costs vary based on factors like location, size, and whether the home is mobile or stationary. Generally, it is more affordable than traditional homeowners’ insurance.
Do Insurance Companies Require Inspections Before Offering Tiny House Coverage?
Some insurers may require an inspection to ensure your tiny home meets safety and construction standards before they can issue a policy.
