Tiny house insurance seems to have become the mythical Big Foot or in the case of a tiny home builder the pot of gold at the end of the rainbow. On the one hand I can understand Insurance companies’ hesitance when providing insurance to tiny home builders who’ve built their own homes…on wheels. On the flip side with the increased number of Tiny Homes being built it’s only a matter of time before someone figures out the right numbers to offset the risk while providing a peace of mind to these home owners.
After doing several searches I had come across a few posts about coverage but they only offered coverage to people in states other than mine, FL. Since the lack of insurance wouldn’t persuade me I had to keep looking. I’m not looking for insurance coverage from hurricanes (I’d drive my home north at the first hint of one heading this way) but am looking for coverage from things like accidents while a licensed driver is transporting it, theft, fire, etc. I’d rather my house (and labor of love) not have any of those happen but in the unlikely event it does I’d like to be protected.
Upon a recent search I stumbled upon the post from Big Lake Tiny House that points to an insurance and risk management company called Vast. They set them up with an insurance policy for $400/year (awesome)! I sent them an email so we’ll see if they can work in Florida or have any suggestions. Either way at least I think I know what I need to look for going forward. Smaller regional insurance companies who have a risk management portfolio which allows them to be a bit more open minded about things like this.
***I’ll update this as I find out more.