The 5 Best Tiny House Insurance Companies of 2022

American Modern Insurance Group is Our Pick for the Best Tiny House Insurance

We independently research, test, review, and recommend the best products—learn more about our process. If you buy something through our links, we may earn a commission.

Best Tiny Home Insurance Companies

Treehugger / Design by Amelia Manley

Best Tiny House Insurance Companies of 2022

Best Overall: American Modern Insurance Group

Best Flexible Coverage: American Family Insurance

Best for Accessory Dwelling Units: State Farm

Best for Full-Time Residents: Foremost Insurance Group

Best for Short-Term Rentals: Liberty Mutual

Like any home, a tiny house is an investment you want to protect. However, because of the unique characteristics of tiny homes, finding an insurance policy isn't often as straightforward as getting homeowner's insurance. Depending on your situation, you may only need a standard homeowner's policy, or you could potentially need options like RV insurance or a manufactured home policy. 

For that reason, shopping for tiny house insurance can be confusing and frustrating. To help you get started, we reviewed the best insurance providers. Take a look below and find the one that's right for you.

Best Overall: American Modern Insurance Group

American Modern Insurance Company

 American Modern Insurance Company

American Modern Insurance Group is a top-rated insurer by AM Best (a credit agency) that offers tiny house insurance as part of its manufactured home policies. Coverage is broad and includes everything from liability to personal property and water damage. In addition, insurance is even available for homeowners with prior losses, lapsed coverage, and credit issues—and there are no age restrictions on the home.

Standard policies include comprehensive protection, meaning the company covers everything not explicitly excluded from the policy, and, in case of a claim, it settles at the stated value of the home. Other structures, additional living expenses, and reasonable expenses—like emergency repairs—are also covered. Beyond standard coverage, American Modern offers extensive optional policies for earthquakes, vandalism, and theft of personal items or items permanently attached to the home.

Tiny house owners interested in an American Modern policy can create an account to get a quote or contact an agent through the company's website.

Why it's a fit for Treehugger: American Modern is our overall best choice because it offers a wide range of coverage options that can be specifically tailored to the needs of your tiny house.

Best Flexible Coverage: American Family Insurance

American Family Insurance

 American Family Insurance

Like other insurers on our list, American Family Insurance offers a range of insurance products, including life and business insurance to homeowners and auto insurance.

As part of its flexible offerings, AmFam can also insure tiny houses under a number of policy types—including homeowners, personal property, RV, or manufactured/mobile home coverage. This means you’re more likely to find a policy that fits your needs—regardless of whether your tiny house is on wheels, on a foundation, parked in your backyard, or on the open road.

If you’re in the market for tiny house insurance, you can also take advantage of American Family’s easy-to-use online quote tool. Plus, there are several discount opportunities, including bundling options for home and auto coverage, as well as smart-home, full-pay, auto-pay, and paperless billing discounts. 

Why it’s a fit for Treehugger: American Family Insurance is our top choice for flexible coverage because it provides tiny house owners with a number of different policy types.

Best for Accessory Dwelling Units: State Farm

State Farm

 State Farm

With a stellar rating for financial strength by AM Best, State Farm is a popular conglomerate of insurance companies that offers comprehensive homeowners policies (among other major coverage areas).

If you have a tiny house permanently located in the backyard of your residence, you can build a State Farm policy with coverage limits that takes the value of that tiny house into account. This is a great option if you use your tiny house as an office or a guest house.

State Farm makes it easy to get a quote online, but you must provide extensive information about the main house and the detached tiny house structure. Luckily, the platform makes it easy to save your application if you need to take a break, so don’t worry if you don’t have all of the necessary information ready to go. As a State Farm policyholder, you’ll also be able to save money by combining coverage.

Why it’s a fit for Treehugger: We chose State Farm as the best choice for accessory dwelling units because of the company’s homeowners policies and coverage for detached structures.

Best for Full-Time Residents: Foremost Insurance Group

Foremost Insurance Group

 Foremost Insurance Group

Foremost Insurance Group offers tiny home-specific coverage, including personal property and additional living expenses. And while some insurance providers only issue policies to people who live in their tiny house part-time, Foremost writes policies for full-timers. Policyholders also benefit from a diminishing deductible. 

Foremost tiny house policies are available through its Travel Trailer Program if a manufacturer builds the tiny house to Recreational Vehicle Industry Association (RVIA) standards—or that is certified by the National Organization for Alternative Housing (NOAH).

A policy can be obtained through the Foremost Dwelling Fire program if the tiny house is only for personal use and is built on a foundation. These more permanent tiny houses may also be eligible for coverage under the Specialty Dwelling program.

With so many options available for full-time tiny house residents, Foremost also makes it easy to get a quote. Just enter your ZIP code, and Foremost will provide a list of nearby agents. 

Why it's a fit for Treehugger: Foremost stands out because it offers full-time policies for both movable and more permanent tiny houses.

Best for Short-Term Rentals: Liberty Mutual

Liberty Mutual

 Liberty Mutual

With an excellent AM Best rating, Liberty Mutual is the fourth-largest property and casualty insurer in the U.S.

As part of the company’s broad coverage area, Liberty Mutual offers mobile home insurance and short-term rental coverage, so you can protect your investment even when it’s earning money. Mobile home insurance covers the home itself (plus any attached structures), as well as personal belongings and damage or injury to third-party property. 

Policies are underwritten by one of several companies under Assurant (also top-rated by AM Best), and coverage is flexible, so you can build a policy that fits your needs. Policyholders can then supplement their policy with Home Sharing Coverage, available for those who rent their tiny house. This additional coverage includes things like lost rent and additional coverage for damage to guests' property.

Why it’s a fit for Treehugger: We chose Liberty Mutual as the best choice for homeowners who rent or otherwise share their tiny homes because of the comprehensive coverage for mobile homes and home-sharing.

Frequently Asked Questions

Do I Need Tiny House Insurance?

Though small, tiny houses can still require a significant financial investment, so it’s important to protect your home with insurance. Because many tiny houses are on wheels, you may face additional risks that require liability coverage; some states even require insurance if you plan to move the house. Finally, if you used a mortgage to purchase the tiny house, your lender will likely require you to buy an insurance policy.

What Does Tiny House Insurance Cover?

Tiny house coverage depends on the kind of tiny house you have and the type(s) of policy you select. Depending on how you use your tiny house, you may need to invest in a policy that covers damage to the structure itself, personal contents, and damage caused to the property of others (like when you’re hauling your tiny house down a highway). You may want supplemental coverage if you rent your tiny house on a site like Airbnb. 

How Much Does It Cost to Insure a Tiny House?

The cost to insure a tiny house varies depending on the value of your home, the amount and types of coverage you need, and your deductible—among other factors. That said, the average cost of a tiny house insurance policy is around $600 per year. It may be costly upfront, but it can save you tons of money if something happens.

How Do You Insure a Tiny House on Wheels?

Generally, a tiny house on wheels can be insured under an RV policy if a manufacturer builds it to Recreational Vehicle Industry Association standards or if it is certified by the National Organization for Alternative Housing. However, if you live in your tiny house full-time, check with an agent to confirm they offer full-timer coverage, as this differs from standard RV coverage. 

If your tiny house does not meet the RVIA or NOAH standards mentioned above, you may still be able to insure it with a combination of renters insurance (for personal property), auto insurance (for liability), and inland marine (for damage to the structure itself). We recommend talking to an agent about what kind of policies might fit your unique needs. 

Methodology

Insuring a tiny house can be challenging because of its unique size and features, and because it's often on wheels rather than a foundation. To help simplify the process of choosing an insurer, we identified some of the best tiny house insurance providers based on factors like financial strength (AM Best rating), coverage options, online quoting tools, and availability of full-timer coverage.

Overall, we chose American Modern as the best choice for tiny house insurance because of its large variety of coverage options. The insurer also has a superior rating for financial strength—meaning you won’t have to worry about its ability to settle your claim—and an easy-to-navigate website that makes it convenient to find an agent.