The Ultimate Guide To Finding Tiny House Insurance
Insurance is hard and confusing in general. Finding tiny home insurance felt like it was next to impossible. We knew it wasn't going to be easy to find but also saw some options out there. We figured we would tell our story since it’s a hot topic in our inbox!
Why would you want Tiny House Insurance?
Just like a normal home, you never know what's going to happen. The hurricane came and saw lots of homes damaged. Someone broke into your home and took all your stuff, now what? Or even worse, someone takes your home!
It’s good to have a bit of safety for our beautiful tiny home.
Exploring Our Options for Tiny House Insurance
Being NOAH certified, we tried through Foremost as they advertise they insure NOAH homes. After requesting a quote, we found out they don't cover tiny homes 10 miles from the coast. #bummer
Who lives that far from the beach in Florida?!
Next, we heard that Progressive insured tiny homes but they actually got out of that game. Found that out by calling their office.
We tried Insuremytinyhome. After following up three times with no response we figured they weren't a reliable company based on their customer service IF something did go wrong.
What Tiny house Insurance Agent did we choose for our Tiny House on Wheels?
We ended up going with Martin Burlingame Insurance Agency for three years now. Our policy covers a bunch of things! 👇
Personal Property (How much stuff you have in your tiny home)
Replacement coverage
Personal Liability (Huge for us when people tour our home)
Medical payments to others (If something happens they will help pay for other medical bills)
Theft Coverage for contents (Robbery)
Trip Endorsement (If a third party is moving our tiny home and they don’t carry enough insurance for the load of your home + the weight of the vehicle )
THEFT OF TINY HOME!!! (This is a huge deal with two tiny homes stolen recently)
With our tiny house insurance policy, we received a GPS unit for the home that will be helpful if it is stolen. This is a nice easy of mind, we had a hard time hooking it up, unfortunately, but it works and hopefully, we never have to use it. We can track the home on our phones if it moves or is taken.
Gps Unit For Tracking The Tiny House
Our fee for this tiny house insurance is about $1,100 for 2019 and they have a monthly payment plan. This year our yearly rate actually decreased, when does that ever happen?! #winning
Overall I am happy with our decision to have insurance for our tiny house and what we went with. Do I wish it covered flooding and high winds? Yeah, especially after our in counter with Irma. But at the end of the day, a lot of needs are met with what we have. Also compared to what is out there for tiny house insurances.
If you have any questions make sure you head to Martin Burlingame Insurance Agency or DM us on our social media accounts below!
-Tim & Sam
Update: Tiny House on Foundation- Tiny House on foundations issuance is a bit easier since they are not movable. This home issuance would just be like a typical home would go and we have found a couple of insurance company that has approved a tiny house on foundation. We ended up going with Progressive but also know that Great Lakes Insurance offers policy since they cover wind/hail. They require a minimum amount of value on the home ($100,000) so for Shellmate Island we declared it as 90k for the structure and 20k worth of goods. Our premium is about $1000 a year and covers everything a normal house would.
We wanted to add our real policy for you to read over. For us, it was really our first time seeing any kind of home insurance policy and thought it might be helpful for people that were in the same boat we were in!
Click here to see it!
