Can a Tiny House Be Insured? Tips for Your Tiny House Insurance

Although tiny homes are comparatively cheaper than traditional houses, the need for insurance is essential. The risks of owning a tiny home are huge, and to protect the home and personal belongings from perils like theft, fire, and falling objects, the need for tiny home insurance is non-negotiable. Many tiny home insurances come with liability coverages which comes to use during the event of a lawsuit and for medical expense coverage in case anyone gets injured while inside the house. When you buy tiny home kits for sale, a standard home insurance policy won’t be able to cover the house. The tiny home insurance depends on the state, the insurer, and many other factors.

While the tiny house kits for sale are live in the market and you can now easily connect with the builders via TinyHouseMe, home insurance can be challenging for first-time tiny home buyers. The tiny home insurance policies aren’t one-size-fits-all. A good insurance company should offer endorsements for customization, flexible policy options, and great customer service. In addition, you should choose an insurance agency with excellent financial strength so that they can reimburse policyholders for a covered loss.


How does tiny home insurance work?

Firstly, you must determine whether the tiny dwelling is movable or stationary. Some insurance agencies will demand you to get the home certified; the certification type is determined by whether you have a mobile home or a stationary one. For a stationary tiny home, you need certification from NOAH (National Organisation of Alternative Housing). For moveable houses, the certificate should come from Recreational Vehicle Industry Association. The tiny home will be inspected in both cases to ensure the house meets safety standards. Once the tiny home gets certification, you can choose the insurance provider. Many insurance companies like Strategic Insurance Agency, American Family Insurance, and Foremost Insurance Group offer customized insurance policies for your tiny house. It’s important to compare the agencies and their rates to find the most competitive insurance provider and not blindly go with the lowest bidder.

Secondly, it’s important to choose an insurance policy that will cover the replacement fee of the tiny house along with all the contents and other structures on the property. Liability coverage is important as it helps you recover the house, its contents that get stolen or damaged, or even if anyone is injured on the property. Trip endorsement policies are essential if you have plans to move the tiny home. As per Treehugger, the average tiny home insurance cost is $600 per year, but it can vary depending on the valuation of the tiny home, location, movability, deductibles, and other factors.

Why do you need specialized insurance for tiny homes?

The tiny homes on wheels are mobile and insured as RVs or travel trailers. A typical RV insurance policy will offer coverage for collisions, damages out of your control (including theft and weather events), and your belongings inside the house. However, tiny homes aren’t as aerodynamic as RVs and do not meet the codes needed to qualify for RV insurance coverage. That’s why you need to opt for tiny home-specific insurance policies where the approach will differ. The insurance will be similar to a home and offer replacement cost coverage, broad-form peril coverage, and loss settlement.

Many people buy tiny home kits for sale as they are affordable, allowing them to forego mortgages. However, without the mortgage, insuring the house isn’t legally necessary, but it’s important if you want to protect your investment. Tiny houses are more vulnerable to damage than traditional houses and need specialized coverage. Tiny homes are more likely to suffer from damages from wind and improper towing rather than getting stolen. Improper towing is very destructive, and if the unit topples over, it’s a total loss. The tiny homes can sometimes be salvaged, but such damages are irreparable. The need for insurance is paramount to cover your tiny home from such irreparable damages.

Insurance for movable tiny homes

Here we are talking about RV insurance. If your tiny house is movable, then this insurance is ideal. RV insurance plans cover the tiny house while it’s parked and even while you move the house from one place to another. The insurance policy covers the tiny house and all the property inside. However, this insurance has certain drawbacks. Firstly, the tiny home needs to be professionally constructed and certified by the RVIA, which means if you build a DIY home, you will not qualify for RV coverage. Another challenge is that RV insurance is designed for vacation homes and spaces that aren’t your primary residence. Therefore, if you plan to live in a tiny house full-time, you either get an endorsement or find a policy that will allow you to use the house as a primary residence.

Insurance for stationary homes

If you get tiny house kits for sale permanently installed on a particular location or assembled on-site, then manufactured/mobile home insurance is ideal. If you have a tiny home on wheels, you can take this route as long as you understand how this will affect your insurance coverage. Mobile home insurance for the tiny house covers the structure from most perils, and the property inside is also covered. Liability coverage also comes with insurance and protects you financially if anyone gets injured while inside the home. However, some insurances have limited fire coverage.

Moreover, the coverage for a manufactured home won’t protect you if your house is connected with a trailer hitch or is on the road. If you intend to move the tiny home, you should consider a travel endorsement or get separate temporary coverage; especially when you are not covered with auto insurance – and generally, tiny homes don’t have it. Every time you move the tiny home to a new place, you need to update the insurance company for a change in the policy.


Insurance for DIY homes

Finding an insurance policy for a DIY tiny home is a real challenge. Insurers are hesitant to give coverage to DIY homes built by amateurs. However, some insurers will inspect the tiny home and might ask for pictures of wiring and plumbing to ensure the house meets all safety requirements. If you want to save yourself from all the legwork, find tiny house kits for sale and make an affordable purchase. TinyHouseMe can connect you with builders offering tiny home kits for sale across US and Canada. This online platform can also help you with the financing of the tiny home project and guide you to get your home insured.

How much is the cost of tiny home insurance?

The insurance cost varies dramatically depending on the size and value of the tiny home. The kind of insurance you choose also affects the cost. As per ValuePeguin, the price difference between RV insurance and manufactured home insurance is huge as RV insurance costs 59% more on an average.

You might have reasons to have a tiny home, but it’s also important to protect the structure – which is why you should get it insured. For more valuable tips like these, join TinyHouseMe and connect with the experts. You can also directly talk with established tiny home builders via TinyHouseMe and get started with your tiny home project.

The 7 Best Tiny House TV Shows To Feed Your Obsession

Tiny houses with a footprint of less than 400 square feet have been popular amongst Americans. As people are embracing a minimalist lifestyle and considering switching from traditional dwellings to tiny spaces, the excitement hasn’t gone unnoticed by the entertainment industry. The interest has generated big TV shows as the producers have grabbed the chance to telecast this revolutionary movement. Americans looking for tiny house kits for sale can take a reference from these TV shows to make their life easier inside these small dwellings. 


Tune in any night of the week to witness exciting stories of passionate hosts residing in downsized houses while aspiring tiny home buyers, and enthusiasts are on the hunt for the perfect tiny house kits for sale. You should consider watching these TV shows and productions to get an insight into what’s in store. So, let’s take a look at them. 

Tiny House Big Living 

Where to watch it:

  • Amazon Prime Video 
  • HGTV
  • Discovery +

In this show, you will witness couples discovering what it means to live in a tiny house as they dive into the tiny house real estate market. Watch them going through the entire drill of house hunting till they move into their own tiny house, a journey filled with many fights, struggles, and tears. In addition, many couples will discover the space considerations and financial pros needed to live in a tiny house. 

 Tiny House Nation 

Where to watch it:

  • Amazon Prime Video 
  • Netflix 
  • AETV (now defunct) 

Follow hosts Zack Griffin and John Weisbarth as they journey around the country seeking tiny houses. It would not be wrong to call these tiny houses masterpieces in a word. Zack and John are inspired by the Tiny House Movement, and they help families all around the country achieve their goal of owning and experiencing a mini-house paradise. 

Container Homes 

Where to watch it:

  • Amazon Prime Video 
  • Apple TV
  • HGTV
  • Discovery +

A good tiny home builder in the USA can transform shipping containers into the tiny homes of their client’s dreams. It’s not that the tiny homes you see here are only luxurious and complex, but you can find simple and affordable ones too. You will be left baffled at what the builders come up with when they think inside the box. If you are looking to connect with a builder offering tiny house kits for sale, then connect via TinyHouseMe. We offer you a faster response and priority service. 

Tiny House Hunters 

Where to watch it:

  • Amazon Prime Video 
  • HGTV
  • Discovery +

As the show’s name suggests, “Tiny House Hunters” is an interesting watch and covers stories about home seekers interested in downsizing. The show deeply dives into the tiny house real estate market to find three of the best ones for them and finally choose one that might fit them in the best way possible. While some fall in love with their tiny paradise, some think living under 600 square feet is a nightmare. However, clever storage ideas can help you live a tiny life without much hassle. This article should enlighten you further. Click Here. 

Tiny House World 

Where to watch it:

  • Apple TV 

Tiny House World expands FYI’s franchise beyond “Tiny House Nation” and “Tiny House Hunters.” Tiny House World goes outside American borders in search of tiny houses around the globe. Like the other TV productions, the hosts find three tiny houses in Dublin, Montreal, Sydney, Paris, and many more to influence homebuyers by offering them ideal foreign tiny houses. 

 Tiny Luxury 

 Where to watch it:

  • Amazon Prime Video (USA only) 
  • HGTV
  • Discovery + 

You should follow spouses Michelle Spiess and Tyson Spiess in every show episode. The couple leads their team of tiny home builders toward manufacturing utter luxury spaces of less than 600 square feet. The tiny houses feature every luxury item that can be there, like marble countertops, custom cabinetry, large picture windows, real wood accents, solar panels, and spa-inspired bathrooms. This show is set to prove to the world that tiny house living is in no way less luxurious than big house living. 

Tiny Paradise 

Where to watch:

  • Amazon Prime Video (USA only) Apple TV
  • HGTV
  • Discovery +

Here, you will be joining couples who are on a voyage to build their tiny home in some of the most idyllic locations in the world. From a mountain retreat to a beachfront glass tiny house, every tiny house is sure to take your breath away with its design, size, and, mention not, its stunning location. 


 Final Take

Once you start viewing these shows regularly, you will feel more confident about moving into a tiny house. However, connecting with experienced tiny home builders can be challenging if you are new to this movement. Here, at TinyHouseMe, we ascertain that everyone gets a superlative degree of tiny house experience. Thus, we connect you with not one tiny home builder but several builders who provide alternate housing solutions that would suit your lifestyle in the best way possible. 

So, why waste your precious time scrolling through every site on the search engine, and end up in a conundrum? Get in touch with us, and we will help you connect with the right builders. Set up an appointment at the earliest. 

Answering the Most Googled Tiny House Questions

People want to know everything about tiny homes, and the most common ones are about the legality of the tiny houses, the cost, and the tiny home lifestyle. The tiny house kits for sale have escalated because of TV shows like ‘Tiny House Hunters’ and ‘Tiny House Nation.’ When you purchase from the tiny home kits for sale, you get beforehand information about the house plans and styles direct from the builder. TinyHouseMe connects you faster with top-notch tiny home builders across the USA. We assure you get priority service and help to finance the tiny home. In this article, we have corralled the most Googled tiny home questions and decided to give answers to clear the air of uncertainty. 


How much does a tiny home cost? 

The cost of a tiny home varies depending on the size of the structure, the materials used, and the builder’s experience and expertise. As per Money Tips, the average cost of an ordinary tiny home is around $45,000, but that’s just an average, and the cost can range from $30,000 to $60,000. However, you can get cheaper DIY tiny home buildings at prices ranging from $4,000 to $10,000. Trailers and rentals for land add up significantly depending on the towing capacity and size. 

Which states are tiny-home friendly? Do they need permits?

Every city and state across the country will have different codes, rules, and regulations about tiny houses. You must research and learn about your community and the local zoning loopholes. If you buy tiny home kits for sale that are built on a foundation, then obtaining a permit is necessary. The home on wheels does not need a building permit, but the house needs to be built strong enough to endure rough weather conditions like hurricanes and snowstorms. It’s ideal for checking with a local builder before purchasing or building any tiny home. You get to connect faster with a builder via TinyHouseMe. We book a consultation at the earliest to make things easier for you. Nevertheless, while many states in the US are tiny home friendly, Connecticut and New York are still warming up. 

Additionally, if the home isn’t up to the city code, you might get evicted from the tiny home and fined for breaking the rules. Tiny home laws are confusing and hard to navigate. The American Tiny House Association keeps tabs on the change in the policy along with a list of regulations to determine the legality of the tiny home everywhere across the country. 

How does the plumbing system work? 

Tiny home plumbing isn’t as difficult as people think. It’s just like regular plumbing and, in fact, less inexpensive. You can read about tiny home plumbing in our blog sections (Part 1) and (Part 2) to get a general idea. The plumbing system will only need extra care and maintenance during winter. We also have a blog related to winterizing your tiny home. However, if you have more questions, contact our team today. TinyHouseMe can help you connect with the right builder to plan the plumbing system inside the home and customize the space to fit your lifestyle. 

How to finance a tiny home? 

You can easily get tiny home kits for sale from many builders, but financing options are very limited. However, financing for a tiny home is no longer a struggle when you connect with TinyHouseMe. We have already discussed in a blog how you can finance your home, and our experts are knowledgeable to help you find a good builder and a great source for financing. 

Is it safe to stay in a tiny home? 

Smoke, moisture, mold, and poor condensation pose problems when you get the structure built from an inexperienced and inexpensive builder-grade. However, established builders are adamant about building structures adhering to International Residential Codes, as it now has an appendix for classifying tiny homes. 

Can you avail of insurance for a tiny home?

Getting home insurance is possible if the tiny home is built by a reputable builder or is RVIA compliant. For more details, you can read our blog on tiny home insurance.

How is electricity generated inside a tiny home? 

A generator or solar panels are necessary for electricity inside a tiny home. Read the blog here to know more about the electricity inside a tiny home. 

Is it possible to store everything inside a tiny home? 

While the builder can customize and offer great storage space to keep your stuff organized inside a tiny home, decluttering is necessary. Read about tiny home storage HERE to plan your tiny house layout with the builder. 


Are tiny homes worth the money?

Going tiny is worth the pain if you want to live debt-free and save money for a long-term plan. Tiny homes can be an incredible experience if you connect with the right builder to customize the home to your personal taste and lifestyle. At TinyHouseMe, we connect you with multiple builders offering high-quality homes at competitive prices. Check out the tiny home models showcased on our website. Enroll today to book an appointment with your favorite builder.

How Long Does a Tiny House Last?

Tiny homes pack in a lot of punch in a small package. The confined spaces have all sorts of comforts, just like a regular home. However, whenever you look at a tiny home, the question of durability strikes the mind. The homes may be small, but by no means frail and dainty. As per SPINDRIFT HOMES, with proper maintenance, you can expect the tiny home to last for 30 to 50 years. However, a tiny home’s longevity depends on many factors. Tiny homes on a foundation tend to last longer than mobile ones. However, tiny homes built with fine-quality materials, designed and manufactured by established builders tend to last longer. TinyHouseMe is the online directory to help you find premium-quality tiny house kits for sale and connect with the builder of your choice. Well-built tiny homes last for decades, and the determining factor of longevity starts at the design stage. 


Do tiny homes degrade at a faster rate than traditional houses? 

Although some wear and tear are unavoidable for a house of any size, human presence affects any home, especially if you have pets and kids around. But is it true that the tiny home will degrade faster than a traditional house? 

No! Not necessarily. 

At first glance, a tiny home might not look like a durable structure, but it can last as long as a conventional house if built with the right materials and structurally sound. As per claims by Tiny Backyard Spaces, an ordinary tiny home can last 10 years, but a well-built one will outlive it for years with minimal upkeep.

Factors that determine the longevity of a tiny house:


Good architectural design can guarantee the durability of the tiny house. That’s why it’s necessary to connect with a good builder to plan things out, including load distribution, wind pressure, earthquake-resistant analysis, thermal expansion, etc. Customized tiny homes age slowly and in a more predictable manner. TinyHouseMe has established builders offering tiny home kits for sale. Here you get the privilege of connecting with multiple builders and making the right choice.

Construction materials 

Stop using wood to build your tiny home. Rather use lightweight materials like steel, aluminum, closed-cell spray foam, and luxury vinyl to build the exterior structures and design interiors of the tiny home. These materials are all weather-resistant, low maintenance, and won’t rot or mold. Spending a bit extra on durable construction components is better than replacing the materials every few years. 


Tiny homes are generally low maintenance, but that doesn’t mean you completely forget about cleaning and repairing. Retouching paintwork, replacing degraded wall pieces and rotten flooring, clearing clogged gutters, and cleaning up the plumbing systems are some of the essential maintenance tasks necessary for extending the lifespan of a tiny house. We recommend you do small and regular maintenance than wait for the big and costly repairs. 


The tiny homes are susceptible to weather damage. Leaky roofs are hard to identify after a hailstorm and can damage the interior walls in no time. Most of the time, changing weather conditions like rain and storms can also cause electrical damage inside a tiny home. That’s why weatherproof the electrical appliances right at the designing stage. You can also use a weatherproof house wrap to protect the structure. 

Type and usage 

The tiny home on a foundation can last for years as they are stationary structures and have minimal wear and tear. The tiny home on wheels is more susceptible to damage as they are mobile, and the risk of damage from bumpy roads and sudden jolts cannot be ignored. However, you can increase the durability of these homes by taking time out for an annual inspection of the plumbing and insulation systems to resolve potential concerns that can hamper the home’s lifespan. 

However, it’s worth noting that repairing a tiny home is far more economical than fixing and mending a conventional place. 

Here are some of our quick tips to make your tiny home last longer

Your tiny home needs preventive care to make it last longer.

  • Don’t procrastinate on a minor problem until it becomes a major repair work
  • Inspect insulation, pipes, and water tanks at least once a year
  • Faucets, showers, and toilet inspections every six months are mandatory 
  • Check the roofing system after weather turbulences like heavy rainfall or hail storms
  • Choose high-quality manufacturing materials and look for a warranty for material or mechanical faults

Tiny Home Insurance 

We always recommend that you opt for comprehensive tiny home insurance that gives you peace of mind. The insurance plans ensure that the tiny home is covered from physical damages. However, many insurance plans have certain limitations and require higher fees if you build your own tiny home. Check out our article on insurance ( and if you need expert help, enroll to get in touch with us. 


Final Words 

Tiny homes are durable and can last for a lifetime. Wear and tear are inevitable, but a tiny home’s reduced cooling, heating, and maintenance costs make them more affordable than a conventional home. Design your tiny home from the start keeping durability in mind, and there’s no reason why the structure won’t last a lifetime. Check out the models at TinyHouseMe and connect directly with the builders. We ensure you connect faster, get a competitive price and receive helpful resources for planning and financing.