Can I Insure My Tiny Home?

​Tiny dwellings often range in size from 100 to 400 square feet. The owner may insure a tiny house. The type of coverage you get is dependent on how the owner built the house and how you use it. It's a good idea to consider insurance before building a tiny house, so you'll know what possibilities you may have.

Understanding What A Tiny House Is
Tiny Houses are basic, full-fledged living quarters of a small size. Constructing a tiny house is an intentional response to a desire to live a simple life. It has less emphasis on material items and a smaller environmental footprint. 

Tiny House design and construction are characterized by clever ways of utilizing space and novel technologies. A Tiny House is up to 50 meters. It may be partially self-sufficient, good quality, and capable of being occupied full-time. Being mobile and completely off-grid is an option.

Is Insurance Required For My Little House?
Tiny residences are often not required by law to obtain insurance. If you financed your tiny house with a mortgage, your lender might compel you to get insurance. Most states require you to carry liability insurance if you travel with your tiny house.

Type Of Insurance For A Tiny Self-Built Home
Many people want to do it themselves when building a tiny house, but this might make the dwelling more difficult to insure. Insurers are frequently hesitant to cover dwellings built by amateurs, particularly tiny homes on wheels. As a result, you may need to obtain specialized insurance from an insurance company specializing in tiny-house insurance.

How Much Does Insurance For A Tiny Home Cost?
The cost of insuring a small house can vary greatly depending on your insurance type. It may require covering the size and worth of the structure. The size and value of your tiny house have a far smaller impact on your annual insurance premium. Insuring a tiny house twice the size charges only 14% additional cost. 

Conclusion
If the homeowner could not avail of insurance that supports home coverage, obtain a renters policy in the interim. Renter's insurance may not cover the home's building, and it may be easier to obtain. At the very least, it will give liability and personal property coverage while you look for a more permanent solution.

At Kapasu Insurance Services Inc.​, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (760) 995-3853. Get your free quote today by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.