How To Insure A Tiny Home

​A tiny home is a small dwelling under 100 to 400 square feet designed to save space. Because of its tiny space, a tiny house usually isn't covered by a standard home insurance policy. You can have it insured with a mobile or manufactured home insurance policy. 

Requirements for Tiny House Insurance
Your tiny house can either be stationary or on wheels. Insurance coverage isn't required by law if you own your tiny house. However, if you finance your home purchase, your bank or lender may require you to insure the tiny home. They may require insurance for the tiny house like you would for a traditional home or vehicle.

Insurance for Stationary Tiny House
Mobile or manufactured home insurance policies cover a tiny stationary house. The policy's coverage is similar to a traditional homeowners insurance policy which may also cover the following:

• Dwelling coverage - This may cover the repair or replacement of the physical structure of your tiny home if it's damaged.
• Personal property - This may cover anything you own which is damaged or lost inside your house.
• Liability - Personal liability may cover you if you're ever responsible for someone's injuries or damages.
• Loss of use - Might cover your living expenses if your home is damaged in a covered loss.

Insurance for Tiny House on Wheels
A tiny house on wheels is more likely to be damaged than a tiny stationary house. Because of the tiny house's traveling, a tiny house on wheels may not have the same coverage as a tiny stationary house.

Moving your Tiny House on wheels
Since tiny houses on wheels travel often, some insurances may offer transit endorsement options. The transit endorsement extends the tiny house coverage while moving locations. 

Conclusion
It may be best to know how you can have it insured in getting a tiny home. The standard insurance may not be able to cover it, but it is possible with a mobile or manufactured home insurance policy. The policy can also be the same as a traditional homeowners insurance policy. Also, best know that a tiny house on wheels can have a higher risk of damage than a tiny stationary home. 

At Auto Express Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (832) 232-4655. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!