Tiny Homes
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About Tiny Homes
We now offer an INSTANT INDICATION for coverage for tiny homes.
NEXT STEPS: Get quoting HERE. Don’t have a username? Click HERE.
Once you have played around in our system or submitted your first risk, feel free to request agency training for our Access One80 Insurance Underwriting Portal here: Request Training.
PERSONAL LINES APPLICATIONS:
Commercial Applications
Client Visits
Read this post “10 Things You Don't Know About Our Tiny Home Markets” before providing information in the Access One80 Insurance Platform. If you have questions about insurance terms, please consult the International Risk Management Institute (IRMI).
For tips on how to submit a WINNING PERSONAL LINES APPLICATION, check out our blog.
Sample Risks
Tiny Houses on Wheels
Tiny Houses on Foundations
Granny Pods
Shesheds
Mancaves (separate structure)
Container Homes
Carriers & Availability
This program is “in house” and available in all 50 States. You can also read more about our program here: Tiny Home Insurance Q&A with Martin Burlingame.
Exclusions
We cannot write Yurts in this program but we do have a separate application. We also may have other markets for RVs and Tree Houses but can no longer insure skoolies. If you have questions just contact us at 855-900-2960 ext. 4.
Frequently Asked Questions:
What do I need to request a quote?
We need the following:
Name to appear on policy
Insured’s contact information including property and mailing addresses
Effective date
Claims Information
Requested coverage, limits, and deductibles
Is there anything else you’d like to share with our underwriters?
What if I have something not listed above?
You can select the miscellaneous option and simply provide an accurate description of the risk. Please note that we may ask follow up questions in the comment once you hit submit! .
HOW SOON CAN I GET a quote?
Our personal lines underwriters are assigned to submissions within 24 hours. Depending on the nature of the risk, location, etc. and the risk is acceptable, you will get a quote within 2-4 days.
HOW LONG IS A POLICY TERM?
12 months
WHAT ARE MY PAYMENT PLAN OPTIONS?
We have information on our Payments and Financing link. We accept check, ACH, and credit cards.
HOW MUCH IS an average policy?
Similar to other lines of insurance, the premium varies depending on the value of the insurable items, security & storage, and claim history. We will request an appraisal.
What’s the underwriting process like?
Here’s the progress from submission to policy.
Submitted, Indicated (Note that an indication does not mean the risk has been accepted)
Underwriting, With Carrier
Quoted
Bind Requested
Bound
Policy Issued
Please note that requests for additional information will have a .5 status and the application will be unlocked for you to provide requested information. We will send weekly reminders until you provide the information and notify the underwriter that additional information provided. Please refer to the comments section for a list of any missing information that may be required to offer a quote, bind coverage, or issue a policy.
Do you insure tiny homes in Canada, Mexico, or other countries outside the US?
Currently we only write tiny homes in the US. We built our program to cover 48 states (contiguous US). We can insure Tiny Homes on wheels, sleds or stationary. We can also do container homes and some of the other cool Tiny movement dwellings. We’re fine with Self Built, Builder built, certified, RVIA approved or any of the previous ones.
Do you cover skoolies?
Unfortunately we no longer cover School Bus conversions, houseboats, or mobile homes.
Do you insure businesses run out of tiny homes?
We can insure you if the Tiny home is your primary home, secondary/vacation home, seasonal location (you visit for part of the year) , a business tiny or a rental (short and/or long term). We CANNOT insure you in our program if you are using the tiny for something different. For example if you use your tiny as a coffee shop we can insure you but not in our TINY HOME program but you can request coverage in our Inland Marine Program.
How long have you been offering tiny home insurance?
We started this program in 2015 thanks to a visit at the Tiny House Jamboree in Colorado Springs. Martin Burlingame met Darin Zaruba there and eventually contributed to Turning Tiny with Darin and other tiny house experts like Jay Shafer, Dee Williams, Laura LaVoie, Kent Griswold, Deek Diedricksen, Andrew Odom, BA Norrgard, Conrad Rogue, Zack Giffin, Alexis Stephens and Christian Parsons, Jody Pountain, Julie Puckett, Kai Rostcheck, Hari Berzins, Kim Kasl, Lee Pera, Lina Menard, Frieda Bakker, Lora Higgins, Christopher and Malissa Tack, Rene Hardee, Rob Greenfield, Sean David Burke, Trevor Gay and Mary Benasutti, MJ Boyle, Vina Lustado, Nina Zamudio, Baylie Carlson, Brad Kittel, Jewel Pearson, Steve Weissmann, Darin Zaruba himself and many more.
How much does Insurance cost?
Tiny home insurance can be as low as $400 a year. On average it is about 1-2% of the value of the tiny house itself. With some homes well north of $100k insurance can have a price tag with it.
When does my client need tiny home insurance?
If the home is built by a builder, get it insured prior to transport and occupancy.
Do you insure DIY Tiny homes?
YES! But we strongly recommend if you are building a tiny home yourself, invest in a trailer built by a professional company and make sure that plumbing and electrical is handled by professionals as well.
What is the difference between regular home insurance and this program?
Homes and dwellings are not meant to move or get stolen. Our program accounts for both risks.
Do you require certification?
Foremost writes tiny houses on a RV policy and requires either RVIA or NOAH certificate. We write them on a homeowner (dwelling 2) form and don’t require that paperwork. Pricing is the same nationally for us and we have options for unlimited endorsements for those rare tiny homes that move more than once a year.
Does this include wind in a tier 1 county on the coast of Texas?
We do not offer wind in Tier 1 (actually within 50 miles of coast).
Do you accept schedules of tiny homes?
Because we are the first in the nation to offer a proper insurance tiny home program, we have several commercial fleets of tiny homes across the country. Simply email us to request a template of coverages, locations, and values.
WHAT'S COVERED?
Here are some key terms and coverages:
Coverage A – Dwelling – This is the value of your tiny home if it gets destroyed. We typically see ranges from 25,000 to 125,000 and sometimes larger tiny homes. If you buy it from a builder the price of purchase is usually the Coverage A limit. Add any solar panels you have mounted on the home to this value! This should include all the built in appliances.
Coverage B – Other Structures – You went primitive and have an outhouse, you built a deck for your tiny home to rest on, or you have an awesome barn on your property. Put it here. We can do up to $50,000.
Coverage C – Contents – Clothes, pots, pans, the 68” flat screen TV you mounted on the wall, the cool speakers you are hanging as art and your mattress.
Replacement Cost for Contents – You have a catastrophe. Do you want a new replacement couch or a garage sale couch? Need I say more?
Theft of Contents – We can offer up to $3,000 in theft coverage for your stuff.
Theft of Tiny Home – If you are worried about your tiny home getting stolen then you need this!
Trip Endorsement – You plan on driving around to all the festivals this year. You need to be covered on the road! Trip endorsement does it.
Liability – Raging party time on the roof deck of the tiny and it collapses! Yikes. Liability steps in to cover it. This protects you against lawsuits!!
NB: Final price may vary based on additional information provided. Premium estimates expire after 30 days. The effective date of your coverage cannot be before receipt of payment.
Appetite questions?
Please use the appetite chat on the bottom right of your screen for any appetite questions.
Note: Not all of our appetites are listed here and the appetites that we can do vary by state and risk exposure. If you cannot find what you are looking for fill out our application form as best as you can, hit submit, and make a comment with any specific questions you may have. Our underwriters will be in touch within one business day. Get quoting HERE.