Insurance Providers Specializing in Mobile Tiny Homes: What You Need to Know

Insuring a tiny home on wheels is trickier than insuring a regular house. Traditional homeowners' policies usually won't cover a THOW. And because tiny homes sit in a weird middle ground between a house and an RV, finding the right coverage takes some legwork. 
 
Here's what you need to know — and where to start looking. 
 
Why Tiny Home Insurance Is Different 
 
A THOW is not quite a house and not quite an RV. It lives on wheels, but it's not designed for travel like a camper. It stays in one place most of the time, but it can move. Insurance companies have historically struggled to classify these homes, which means coverage options have been inconsistent. 
 
The good news: the market is catching up. More insurers are offering coverage specifically for tiny homes — both on wheels and on foundations. 
 
The Main Types of Coverage for THOWs 
 
RV Insurance. If your THOW is RVIA or NOAH certified, it can often be insured as an RV. This covers the structure, your personal property inside, and liability — both when it's parked and when it's moving. Annual premiums typically run $800 to $1,500, depending on the home's value and your coverage level. 
 
Specialized Tiny Home Insurance. A growing number of agencies offer policies designed specifically for tiny homes. These can cover homes that aren't RVIA certified, including DIY builds. 
 
Manufactured/Mobile Home Insurance. If your THOW stays in one place most of the time, a mobile home policy might work. These cover the structure and contents when parked, but usually don't cover the home while it's being towed. 
 
Homeowners Insurance (for foundation builds). If your tiny home is on a permanent foundation and meets local building codes, it may qualify for a standard homeowners policy. 
 
Companies Worth Looking Into 
 
While we don't endorse specific insurers, here are some that have been mentioned frequently in the tiny home community: Progressive (strong RV coverage for certified THOWs), Good Sam Insurance (works with many tiny home owners), Foremost Insurance (specializes in manufactured and mobile homes), American Modern Insurance (covers vacation and seasonal properties), Strategic Insurance Agency (one of the few that covers uncertified DIY builds, available in 48 states), and Proper Insurance (good option if you plan to rent your tiny home out). 
 
Tips for Getting the Best Coverage 
 
Get your THOW RVIA or NOAH certified if possible. Certification dramatically expands your insurance options and can lower premiums. Take photos during the build of wiring, plumbing, and the finished structure. Get quotes from at least 3 providers. Ask about trip endorsements if you plan to move your home. Before shopping for insurance, make sure you've reviewed your  
financing options — the two are closely related for RVIA-certified homes. 
 
For Developers and Communities 
 
If you're developing a tiny home community or managing multiple units, insurance gets more complex. You may need a commercial or portfolio policy. We can help connect you with the right resources. 
 
Talk to us at mycocoonhomes.com 
 
Insurance information based on 2024–2025 data from U.S. News, Bankrate, Policygenius, and Insurify. Always verify current coverage options directly with providers.