However, certain coverages may not be available everywhere. You also can add an endorsement for attached accessories, replacement cost coverage, emergency expense coverage, roadside assistance, vacation liability insurance, and full-timer coverage.įoremost sells tiny home insurance coverage in 49 states (coverage isn’t available in Hawaii or Washington D.C.). Policies from Foremost include protection from a long list of covered perils, including collision, fire, flood, hail, windstorms, animals, theft, and even low-hanging branches. The Stationary Travel Trailer Insurance Program provides bodily injury liability, property damage liability, and medical payments coverage to supplement your RV insurance coverage. This policy includes comprehensive coverage for your tiny home during transit, and you also have the option to get enhanced coverage for the times that your tiny home is parked at a campsite, RV park, or on private property.
The Foremost Outdoors travel trailer insurance policy is our top pick for mobile tiny homes that travel across the country. Website doesn’t include any information about coverage limits or deductibles The company offers a wide variety of insurance products, so if you’re interested in bundling, we recommend contacting an agent to find out what bundles are available with a tiny home policy. Tiny house insurance through Strategic Insurance is available in 48 states. And because it’s a less prominent company, it’s not rated by AM Best for financial strength.
Unfortunately, Strategic Insurance doesn’t have many options for customer support. You’ll need to use the online form or call an agent to get a quote. Plus, you can get coverage for primary and secondary tiny homes, short-term and long-term rentals, and tiny vacation homes. If you want to customize your policy with endorsements, you can add detached structures coverage, contents replacement cost coverage, trip coverage, dwelling theft coverage, and personal articles coverage for valuables. You can choose a deductible of $500, $1,000, or $2,500, depending on your budget and how much you want to pay each month. Strategic Insurance’s tiny house insurance policies include dwelling coverage up to $250,000, personal property coverage up to $25,000, contents theft coverage up to $3,000, liability coverage up to $1 million, and medical payments coverage up to $1,000.
Plus, your tiny house doesn’t need to be certified to qualify for coverage. It specializes in tiny house insurance, so its policies are designed to cover any losses you could face as a tiny house owner. Strategic Insurance Agency isn’t the most well-known provider, but based on our comparison, it’s the best overall tiny house insurance company. Not rated by AM Best for financial strength We compared 10 providers to find the best tiny house insurance. Additionally, the best providers have excellent financial strength, which proves their ability to reimburse policyholders after a covered loss. The best tiny house insurance companies offer flexible policy options, endorsements for customization, and good customer service. Tiny home insurance isn’t a one-size-fits-all policy. Plus, they include liability insurance in the event of a lawsuit and medical payments coverage in case a guest gets injured. Both policies will protect your tiny home and the personal items inside from perils like fire, theft, and falling objects. Depending on your tiny home type, you’ll need either RV or mobile home insurance. Tiny homes may be small, but the risks of owning one can be huge-that’s why tiny house insurance is essential. Read our advertiser disclosure for more info. We may receive compensation if you visit partners we recommend. We recommend the best products through an independent review process, and advertisers do not influence our picks.
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