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Whether your tiny house is on wheels or a foundation, the best overall tiny house insurance provider is Strategic Insurance Agency. The company offers reliable coverage, affordable rates, easy claims handling, and best of all, certifications aren’t required.

Strategic Insurance Agency isn’t the most well-known provider, but based on our comparison, it’s the best overall tiny house insurance company. It specializes in tiny house insurance, so its policies are designed to cover any losses you could face as a tiny house owner. Plus, your tiny house doesn’t need to be certified to qualify for coverage.1

Strategic Insurance’s tiny house insurance policies include dwelling coverage up to $250,000, personal property coverage up to $25,000, contents theft coverage up to $3,000, liability coverage up to $1 million, and medical payments coverage up to $1,000. You can choose a deductible of $500, $1,000, or $2,500, depending on your budget and how much you want to pay each month.1

If you want to customize your policy with endorsements, you can add detached structures coverage, contents replacement cost coverage, trip coverage, dwelling theft coverage, and personal articles coverage for valuables. Plus, you can get coverage for primary and secondary tiny homes, short-term and long-term rentals, and tiny vacation homes.1

You’ll need to use the online form or call an agent to get a quote. Unfortunately, Strategic Insurance doesn’t have many options for customer support. And because it’s a less prominent company, it’s not rated by AM Best for financial strength.

Tiny house insurance through Strategic Insurance is available in 48 states, The company offers a wide variety of insurance products, so if you’re interested in bundling, we recommend contacting an agent to find out what bundles are available with a tiny home policy.1

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If your tiny home is built on wheels, a travel trailer insurance policy from Foremost will offer reliable coverage during transport. As an added bonus, you can upgrade to a policy that offers protection for your tiny house while it’s parked.

The Foremost Outdoors travel trailer insurance policy is our top pick for mobile tiny homes that travel across the country. This policy includes comprehensive coverage for your tiny home during transit, and you also have the option to get enhanced coverage for the times that your tiny home is parked at a campsite, RV park, or on private property. The Stationary Travel Trailer Insurance Program provides bodily injury liability, property damage liability, and medical payments coverage to supplement your RV insurance coverage.2

Policies from Foremost include protection from a long list of covered perils, including collision, fire, flood, hail, windstorms, animals, theft, and even low-hanging branches. You also can add an endorsement for attached accessories, replacement cost coverage, emergency expense coverage, roadside assistance, vacation liability insurance, and full-timer coverage.2

Foremost sells tiny home insurance coverage in all 50 states.3 However, certain coverages may not be available everywhere.

To get a quote from Foremost, you can request one online, but to receive customer support, you’ll need to call or email an agent. Before you purchase coverage, we recommend contacting the company to find out if your tiny house has to be certified to get coverage, and whether you can qualify for any policy bundling deals.

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American Family’s mobile home insurance policies include a variety of coverages designed to protect your stationary tiny home when it’s parked at a campsite or on private land. Plus, you can take advantage of discounts to get a lower premium.

If you need to insure a stationary tiny home built on a permanent foundation, American Family is your best choice. The company covers tiny homes with mobile home insurance and offers many of the same coverages you would find with regular homeowners insurance. Additionally, American Family offers great savings opportunities and 24/7 claims support from experienced agents.4

American Family’s mobile home insurance policies have the most important coverages for your stationary tiny home, like dwelling, personal property, and liability coverage, plus endorsements that fill gaps in your policy and provide tailored protection.5

Some of the endorsements available from American Family include matching siding coverage, other structures coverage, trip collision coverage, and hidden water damage coverage. You also can enroll in the diminishing deductible program to get $100 off your deductible for every year you remain claims-free.6

We were impressed by American Family’s lineup of mobile home insurance discounts. There are savings for bundling your policies, installing certain smart home devices, insuring a new home, paying your premium in full, enrolling in autopay, and signing up for paper billing statements.7

To get a mobile home insurance quote from American Family, you can use the online calculator to get an instant rate estimate. Of all the providers we reviewed, American Family has the best customer service by far. You can call or email an agent, visit an agent in person, or use the online chat tool to get your questions answered.

However, one of the biggest downsides of American Family is that the company doesn’t operate in every state, and some coverage options and discounts are only available in certain places.8 Additionally, the company doesn’t mention whether your tiny home needs to be certified in order to qualify for coverage.

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If you’re in the process of building a DIY tiny house from scratch, a builder’s risk insurance policy from The Hartford will protect the structure, materials, and equipment while you finish the job, protecting you from potential financial loss.

DIY tiny home builders need to purchase a special type of insurance called builder’s risk insurance while their tiny home is under construction. We recommend The Hartford for DIY tiny house insurance because it protects your project from potential setbacks, like weather-damaged materials, as well as equipment theft and vandalism.

The Hartford’s builder’s risk insurance policies cover a wide list of covered perils, including natural disasters, fire, explosions, hail, lightning, and more.9 It can help protect building materials, supplies, and equipment on the job site and during transport.

You’ll also have the option to customize your policy with endorsements, like debris removal, ordinance/law coverage, expediting expense coverage, and property replacement coverage.10

The Hartford offers builder’s risk insurance in all 50 states, but depending on where you live, your policy might be underwritten by one of The Hartford’s partner companies. 

Note that coverage for builder’s risk insurance policies is approved only for a certain period, based on how long you expect the project to take. The Harford doesn’t include information online about policy periods, coverage limits, or certification requirements, so we recommend speaking with an agent before you purchase coverage to make sure The Hartford has adequate coverage for your DIY tiny house build.

Policy bundling is available through The Hartford, but it’s not clear whether a builder’s risk policy would qualify. You can learn more and get a quote by contacting an agent by phone.