Tiny houses are becoming popular among people who want to downsize their lifestyle. However, these cute tiny homes are still a home that needs to be protected. This article will tell you some of the things you need to know in getting your tiny house insured.
Here’s What You Need to Know First
Each standard housing form need to abide by local housing codes and zoning regulations. This tells a house’s insurance classification. On the other hand, small homes on wheels do not stick to the rules that are made for traditional structures. Hence, their unique characteristics, such as mobility and size, make them unqualified for standard homeowners insurance.
The minimum construction and safety standards for both commercial and residential structures are set by local building codes. These rules determine which kinds of construction projects require a building permit.
Zoning regulations form and protect the physical character of the neighborhood by controlling what type of activities and structures can be allowed within the communities.
Tiny Houses Can Get Personal Property Insurance
Tiny houses on wheels can get coverage through a personal property policy. However, you need to do some modifications such as putting your house on a semi-permanent or permanent foundation.
Towing is another thing to consider as personal property coverage does not cover it, and hitting the road is a liability risk.
If you need to travel along with your tiny home, consider getting RV insurance. Although many insurance companies only cover small homes on wheels that are built by a certified RV manufacturer. This kind of small homes should have a seal from the Recreation Vehicle Industry Association (RVIA).
You should also remember that a recreational vehicle is a towable unit that is made for short-time living. It should not be bigger than 400 square feet and built based on strict standards that are set for park model RVs.
Most insurance companies will offer a package made for full-time dwellers that is the same as the homeowner’s policy, although RVs are not deemed as a permanent dwelling. Meanwhile, most campgrounds in the U.S. only allow tiny homes on wheels to park on their areas if they have an RVIA seal.
Living in a tiny house is one of the wise decisions if you are considering downsizing as it could help you save more money by taking away mortgage payments.
At Mauser & Tobin Co., Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (516) 747-0171. Get your free quote today by CLICKING HERE.