An article has been circulating in the Tiny House Community that just broke my heart (Thanks Kent!). Kim Langston was in the process of building her tiny house and was very near the end of the project, when the barn adjacent to her house caught fire. As a result, Kim’s tiny house was burned to the ground. Sadly, insurance is notoriously not helpful in these situations and she was uninsured. If any of you could spare the cost of a latte or more, she has a PayPal fundraiser underway to help her get started again.
This brought up a good topic! Insurance for Tiny Houses. This has been a controversial and mildly frustrating topic for many of us who live in small dwellings. Traditional house insurance will not cover a tiny house if it is not on a foundation. You also can run into complications because you do not own the property where the tiny house resides. It does not fall under classic RV insurance, as they are not an RV. It is also a rather expensive ‘trailer’. Sometimes there are issues because one lives in a tiny house full time, as it is a permanent dwelling. Not to mention whether or not it meets building regulations or codes.
My dear friend Caris has a converted bus that he was traveling around in full time and living in it. He recommended GMAC insurance, as they covered his bus. I am currently uninsured as I had not been able to find a provider. During the winter storm last winter I was a paranoid mess because I was worried that a tree was going to come down on The Fortune Cookie. I sent GMAC an e-mail regarding my tiny house to see if they offer coverage for such a structure. I am waiting on a reply, I will update you on any news on that front.
Kent from Tiny House Blog had mentioned that if no regular insurance companies offer insurance for tiny structures, that maybe we should form a co-op. Which I thought was a smashing idea. The Tiny House movement meets a lot of resistance due to restrictions and regulations about what constitutes a house. We really do need to find a way to make it work if we expect the movement to grow. Do any of you know any insurance companies that might cover a tiny house?