Size does matter when securing home insurance

It seems the American dream of home ownership is becoming a more compact reality for many. As humankind’s footprint on the planet grows and the price of homes skyrockets, many people are looking for new and humbler ways of putting a roof over their heads.

Recently, a tiny home revolution has been gathering speed with people choosing to live in compact homes, many of which would fit snugly on an average car trailer. And with TV shows like Tiny House Builders and Tiny House Nation leading the way, modest living in simpler spaces seems here to stay.

But tiny homes can mean big problems and a whole new set of admin headaches, from land zoning to, yes, you guessed it, insurance. Currently, most insurance companies, including Esurance, do not provide policies for tiny homes. Yet all is not lost for the growing army of tiny-home-dwellers.

How do you insure your tiny house?

Unlike most regular-size homes, many tiny homes are still constructed by their owners — a practice that leaves these micro dwellings unqualified for almost all types of secure coverage.

But don’t squash those dreams of tiny-home ownership just yet, though … there’s hope on the horizon. Recently, Lloyd’s of London threw its weight behind a Portland-based broker offering insurance tailored specifically for tiny houses. With that, it seems likely that new insurance options will be emerging everywhere to help tiny home owners live more securely in their compact spaces.

5 insurance tips so your tiny home doesn’t become a huge nightmare

Though Esurance does not currently offer insurance for tiny homes, we’ve got 5 tips to consider before insuring your tiny home.

  1. Although we’re always working to make home insurance simpler and easier, covering tiny homes is an entirely different beast altogether. Well, at least for now. Be sure to speak with an insurance expert in your area to help make sense of the complex and ever-evolving insurance rules for a tiny home.
  2. When towing your home, make sure your property is covered for the trip. This may seem straightforward, but most auto policies will not consider your tiny home covered while it’s being towed. Double-check your towing policy before moving your home and make sure you communicate with your broker about the logistics of any trip.
  3. Have all the construction work on your home done or approved by someone who’s licensed and insured. You may still have to get an electrical inspection completed to get insured, but—in the long run—it’s a small price to pay for peace of mind.
  4. Head out west. Recent offerings in tiny home insurance are currently available through a broker in Oregon and only available in Washington, California, Utah, Arizona, Idaho, Montana, Colorado, Nevada, and Oregon.
  5. Whenever you do decide to move your tiny home from one spot to another, make sure you keep your insurance broker informed. One of the bonuses of portable living is being able to up and leave at a moment’s notice and settle somewhere new anytime. Of course, a new ZIP Code may mean a new policy and void any current policy you may have.

Do you live in a tiny house or are you planning to make one? We’d love to hear about your trials and triumphs below.

Related links

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about Omar

A copywriter of truly British proportions, Omar spent his formative years developing brands in London before moving to sunny California. A huge fan of savory pastries, scriptwriting, and stand-up comedy, Omar spends most of his time avoiding beaches (they’re just piles of yellow dirt), being mistaken for an Australian (for no clear reason), and playing the guitar (badly).