March 22

What Tiny Homeowners Should Know About Home Insurance



You live a unique and exciting life when you’re a tiny homeowner, but through all that excitement, you must remember to handle a boring part of homeownership—insurance. Almost no one loves figuring out their insurance situation, but that doesn’t mean it’s something you can neglect. Instead, tiny homeowners should know about home insurance and then get the insurance that suits them best. It’s a necessary part of homeownership that you need to handle sooner rather than later.

RVIA Certification

Obtaining your Recreational Vehicle Industry Association (RVIA) certification before purchasing a home insurance policy is crucial. This certification is proof that your tiny home is road-safe and safe to live in, and that proof makes finding the right insurance coverage much easier. Insurers want to know if your tiny home meets key requirements for different systems such as:

  • Electric
  • Plumbing
  • Heating
  • Fire safety

With the RVIA certification, insurers can see that your tiny home meets their requirements and that they can quickly find the right insurance coverage for you.

Tiny-Home Specific Insurance

Tiny homes generally have different building materials and construction methods when you compare them to traditional homes. With these differences, the insurance coverage you need may not always be the easiest to find. For example, some tiny homes are on wheels; your tiny home may even have a rooftop deck. Unique features of tiny living require unique insurance accommodations, and it’s important to understand these differences early on.

Determine Your Desired Policy

Different home insurance policies are available for you to choose from depending on your unique needs. For example, you want to find insurance that helps cover theft, natural disasters, and general liability. Work with an insurer that specializes in tiny homes and offers you tailored coverage. Take the necessary time to discuss the different options available with your insurance provider to determine which policy is right for you.

Keep Your Insurance Up to Date

It’s important to regularly review and update your insurance policies as a tiny homeowner. Changes in your lifestyle or home design, such as renovations or new assets, will impact your coverage. Communicate any changes with your insurance provider so you can adequately protect yourself, your family, and your home. Taking the time to maintain the right insurance will safeguard your tiny home investment.

Owning a tiny home has a lot of fun moments and some challenges, but what tiny homeowners should know about home insurance is that they can find the right policy for their home type and circumstances. Remember, insurance isn’t a formality—it’s a necessity that helps make your unique lifestyle possible. Let Tru Form Tiny help if you understand your insurance needs but still don’t have a tiny home. We have the perfect selection of tiny homes for you, such as our 2-bedroom tiny homes, so you can start your tiny home journey off on the right foot!

About the author 

Brad Phillips

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