Tiny Home Insurance
Tiny Home Insurance
Real coverage for real tiny homes — on wheels, on a foundation, or off-grid. Get a quote in about five minutes. We also insure Yurts and container homes. Builder's demo models accepted!
What Tiny Home Insurance Covers
Tiny homes are different. Standard homeowners' policies rarely cover them, especially models on wheels or off-grid sites. Our policy goes through an industry expert with over 8000 homes insured and a 16-year track record. Our policy is built for the way tiny homes are built and used.
Coverage Includes
- The structure — dwelling coverage for on-wheels, on-foundation, or off-grid tiny homes.
- Personal property — your belongings inside, from tools to electronics to kitchen gear.
- Liability — protection if someone is injured on your property or you cause damage elsewhere.
- Optional add-ons — theft, transit coverage while towing, and accessory structures.
Who It's For
Tiny home owners using their home as a primary residence, nightly rental, or weekend retreat. We work with a wide range of approved tiny home builders and can often underwrite owner-built homes case-by-case. Reach out before you bind so we can tell you what documentation helps.
What You'll Need to Quote
- Home value and square footage
- Location where the home is parked or sited (to start the policy)
- Preferred deductible ($500, $1,000, or $2,500)
Instant rate indication for tiny homes — on wheels, on a foundation, or off-grid.
Location & Use
Coverages & Deductible
Property Details
DP-2
Builder & Trailer
Endorsements
✓ Included on all quotes
Mortgagee / Lienholder
Ready to Bind? Tell Us About You
● Calculating…
Quote Indication
Total Insured Value
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Form / Base Rate
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Total Annual Premium
$0.00
Includes all taxes & fees
Property Premium
Policy Fee
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Filing Fee
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Surplus Lines Tax
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Stamping Fee
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Fire Marshal Fee
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Additional State Fee
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How a Quote Works
The tool above returns an indication based on the inputs you provide. Before any policy is bound, a licensed Blue Spruce agent reviews your application, confirms eligibility, and walks through any clarifications. No policy is auto-bound from the tool.
FAQ
Is my tiny home insured by my auto policy while towing?
Usually no. Most auto policies cap tow-related coverage at a few thousand dollars and exclude the home's structure and contents. A dedicated tiny home policy is built for the actual risk.
Can I get coverage if my home is owner-built?
Often yes. We review owner-built homes individually. Helpful documentation: good build photos, a bill of materials, and a signed certificate of weight.
Does my policy cover the home while parked at a campground or a friend's place?
Usually yes for short stays, with some site-type exceptions. Tell us how often you travel and where you typically park, and we'll match the policy to how you actually use the home.
What does it cost?
Premiums depend on location, home value, construction, and deductible. The quote tool above returns a real number in about five minutes.
Do I need to remove the wheels?
No! We handle homes on wheels and on foundations and can insure the wandering traveler and the permanent location owner.
Can you insure a Yurt?
Yes, we insure yurts and container homes as well as homes that are on water (not a houseboat). We just can't insure your treehouse yet!
Questions before you quote? Call Colleen at (720) 604-1820.