For the standard tenant policy form, getting insurance for your tiny house may prove hard. This is because insurance forms don’t contemplate small houses. Most standard policies lack a cover for structures which are not in line with building codes. Many tiny houses lie in this category especially if you have built it yourself.
You will, therefore, have to go through a lot before getting yourself a good insurance policy. That’s not to say you should skimp on getting and comparing insurance quotes. After all, this is among the easiest ways to save on your insurance coverage. Below are among the things you should know before insuring your tiny house.
Types of Insurance for Your Tiny House
Before comparing multiple insurance quotes, it is vital that you understand the different types of coverages available for tiny house. Here is what you should know;
Many tiny enthusiasts prefer the DIY route when building a small house. However, this action can make it hard for you to get an insurance cover. This is because most insurers are hesitant when it comes to providing coverage to DIY tiny homes. For this reason, you have to look for a specialized insurance cover. Fortunately, you can rely on an insurance agency that provides tiny house insurance.
Manufactured/Mobile Home Insurance
Mobile home insurance best suites a tiny home on a foundation. This is regardless of whether it was assembled on site or at a factory. With a mobile insurance cover, your small house on the foundation will be protected. Furthermore, you will receive liability coverage. This coverage protects you financially if someone gets injured in the tiny house.
The above are just but some of the things you should know before insuring your tiny home. Of course, there is more to it than meets the eye. No wonder it pays off to spend some time doing your homework before you finally take it upon yourself to get and compare insurance quotes. That’s precisely what you need to get the most out of your tiny house insurance coverage.