Hot Tiny Homes News For Denver

Hot Tiny Homes News For Denver

Appendix Q In Progress:  Denver, Colorado

Written By Janet Thome

Denver, Colorado is in in their building code cycle change to include the 2018 IRC and  Appendix Q Tiny Houses has been included in Denver’s proposed code changes and is in progress. There will be a public forum at the end of October. the  date is still to be determined. I will update this as soon as the date is listed. The anticipated adoption date is fall 2019.

Support Information From Denver

Supporting Information​:For dwellings that are 400 square feet or less in floor area,excluding lofts, Appendix Q provides relaxed provisions as compared to those in the body of the code. These provisions primarily address reduced ceiling heights for loft areas and specific stair and ladder detail requirements that allow for more compact designs where accessing lofts

.Purpose: This allows alternatives to low cost housing.

Reason: Low cost housing is a city-wide initiative

Reasons: Denver has a housing shortage. The real estate market is inflated, thus reducing housing options

Substantiation: Without the amendment, homes under 400 square feet  are almost impossible to permit using the IRC

Impact: Proposal with reduce the cost of alternative low cost housing

City And County Of Denver

The City and County of Denver is adopting an updated Building and Fire Code, which will include the 2018 editions of the following international codes:

  • International Building Code
  • International Existing Building Code
  • International Residential Code
  • International Energy Conservation Code
  • International Mechanical Code
  • International Plumbing Code
  • International Fuel Gas Code
  • International Fire Code
  • International Green Construction Code (brand new to Denver – will be voluntary)

City And County Of Denver

International Green Construction Code: Voluntary Option

Denver has included the Green Construction Code that is brand new and will be used voluntarily. The 2018 International Green Construction Code (IgCC) provides the design and construction industry with the single, most effective way to deliver sustainable, resilient, high-performance buildings. The ‘IgCC-powered-by-189.1’ joint initiative frames the essential sustainable construction building blocks on which future resilient initiatives can develop and expand.

By collaborating on developing the 2018 IgCC, the strategic developing organizations supporting it envision a new era of building design and construction that includes environmental health and safety as code minimums. The goal of the 2018 IgCC will provide fundamental criteria for energy efficiency, resource conservation, water safety, land use, site development, indoor environmental quality and building performance that can be adopted broadly.

International Green Construction Code ICC

Joe Callantine Visionary And Tiny Home Developer Has A Big Announcement

Joe Callantine, Board Member of THIA, Visionary, Advocate, Electrician, Photovoltaic Specialist and tiny home community  developer has just announced that he signed the first investor and funds are deposited into the business account!  Joe is looking for  land for his first community. The Community will most likely be located in Jefferson County, Colorado. Potentially with in 45 minutes commute to Denver but all efforts are being made to be within the metro area.

The fewest spots available will be 15 up to 45 tiny homes allowed. We want to accommodate the people already living in tiny homes on wheels, who are striving for a legal place to call home. Bring Your Own Home.

There will be an application process, not unlike cooperative style living and insurance will be required. A 1 year lease initial agreement will be required, to be reviewed upon renewal.

Ownership dues will be between $650 and $850, which will be geared toward ownership rights, privileges and responsibilities. After the land and its development costs have been paid, lot fees will be reduced for the maintenance and upkeep of the community.

Each tiny home location will have all major utility connections, access to a plot in the pocket gardens and additional storage space will be available in the community building. With an organic community concept in mind, vehicular traffic will be kept at a minimum with the entire community being pedestrian, bike and pet friendly.

Please contact Joe if you any questions, would like to be an investor, have land or desire to be a part of his tiny home community. Joe is Making Tiny Possible!

Life Size: Tiny Communities

720-460-9467

Tiny-home villages could be allowed across much of Denver

She is proposing that the city change its rules to allow tiny-home villages on far more properties. The change could make it much easier and simpler to build the low-cost housing communities in Denver

Under Kniech’s proposal, which was written with city staff, villages would be officially allowed in industrial, mixed-use and commercial zones. Opening up industrial sites could give organizers new access to warehouse sites on the edge of residential neighborhoods.

Villages also would be allowed on church sites, community centers and other institutional sites in residential neighborhoods, but not directly on single-family properties. Villages in residential areas would be limited to 30 homes, depending on space. All units would have to be at least 70 square feet.

Denver Post 

Denver City Council to invest $500,000 in ‘granny flats’ program

The Denver City Council agreed Monday to invest $500,000 in an ongoing pilot program that provides forgivable loans to West Denver homeowners to help fund accessory dwelling units, or ADUs, popularly known as “granny flats.”

Those ADUs — small homes adjacent to a homeowner’s primary single family home, on the same lot or parcel — can supplement a homeowner’s income as a rental property, the city argues.

Photo Credit: The Stone Cottage Built By SimBLISSity Tiny Homes
Jurisdictions Allowing Moveable Tiny Homes

Jurisdictions Allowing Moveable Tiny Homes

We Are Making Progress For Moveable Tiny Homes

Written By Janet Thome

Appendix Q for tiny homes on a foundation is becoming widely accepted and welcomed by jurisdictions that benefit the consumer, builder and the jurisdiction to finally have a standard. I have been documenting the states and jurisdictions across the nation that have adopted Appendix Q and what I have discovered is the jurisdictions are grateful for a definition and a means to regulate tiny homes.

We have a long way to go regarding  moveable tiny homes as permissible and permanent dwellings, but there has been great successes thanks to all the American Tiny House Advocates ( ATHA)  as they forge the path. We owe a special thanks to Dan Fitzpartrick, the Director of Government Relations of both ATHA and THIA for opening doors in many jurisdictions in California which can be used as an example across the nation. Nick Mosley, Vice President of ATHA and board member of THIA, has also been a key player in moving mountains in California, allowing moveable tiny homes as ADUs in backyards.

Tiny Houses: Affordable Sustainable Eco-Friendly

Dan Fitzpatrick gave lectures all across California and created a  presentation  on moveable tiny homes that is an excellent tool if you are working with a jurisdiction.

Presentation

How Do I Get Zoning Passed In My Area For Tiny Houses In My Area?

This is a great guide that we can all learn from written by Rene’ Hardee , Florida Chapter Leader of ATHA  sharing her success story on Tiny House Talk. Details

Affordable Housing Cannot Wait

The New American Homeless

We are in a crisis and there is a New American Homeless.Housing insecurity in the nation’s richest cities is far worse than government statistics claim. Just ask the Goodmans.
Last August, Cokethia Goodman returned home from work to discover a typed letter from her landlord in the mailbox. She felt a familiar panic as she began to read it. For nearly a year, Goodman and her six children—two of them adopted after being abandoned at birth—had been living in a derelict but functional three-bedroom house in the historically black Peoplestown neighborhood of Atlanta. Goodman, who is 50, has a reserved, vigilant demeanor, her years trying to keep the kids out of harm’s way evident in her perpetually narrowed eyes.

She saw the rental property as an answer to prayer. It was in a relatively safe area and within walking distance of the Barack and Michelle Obama Academy, the public elementary school her youngest son and daughter attended. It was also—at $950 a month, not including utilities—just barely affordable on the $9 hourly wage she earned as a full-time home health aide. Goodman had fled an abusive marriage in 2015, and she was anxious to give her family a more stable home environment. She thought they’d finally found one.

Article Source The New Republic

Documenting Our Successes For Moveable Tiny Homes

This will be a blog post in progress as I add the successes we are achieving for moveable tiny homes. Please share if you have a success story.

Arizona

Camp Verde: On Oct. 24, 2018, the Camp Verde Town Council approved an agri-tourism use permit for a community of tiny houses on wheels, vintage recreational vehicles and agri-tourism events. The 15-acre parcel that would house the complex is owned by Camp Verde residents Carmen Howard and her husband David.

Article SourceTinyPortableCedarCabins 

Park Models
A Park Model is allowed as a Dwelling Unit per Section 565 of the Yavapai County Planning and Zoning Ordinance. A permit is required prior to installation of a Park Model Unit

Development Services Yavapai County

Tiny Homes On Wheels Are Legal In Mobile Home Parks In Arizona

According to Susan Brenton, Executive Director of Manufactured Housing of Arizona, Tiny Homes on Wheels are legal in mobile home parks in Arizona. The newer parks primarily cater to the modular market. The older parks  are most appropriate for Tiny Homes.

Article Source Tiny Home Industry Association

California

Fresno

“We are the first city in the nation to actually write into its development code authorization for ‘tiny homes,’ ” says Mayor Ashley Swearingen. “If there’s one thing that Californians should know about Fresno, it’s that we are full of surprises. And just when you’ve think you’ve pegged us to be one type of community, we’ll surprise you.”

Some of Swearingen’s motivation comes from wanting to support local jobs and manufacturing. A new Fresno company, California Tiny House, is now building these custom homes for people all over the state. It recently held an unusual open house to celebrate Fresno’s new rules, parking a 270-square-foot cottage on wheels in front of City Hall.

Tiny Homes in Fresno

 
San Luis Obispo
The Community Development Department recently updated its Zoning Regulations which included provisions for Tiny Homes on Wheels in the backyard of on a site with an owner-occupied single-family residence. A single-family residence (Single-Unit Dwelling) is defined as a dwelling unit designed for occupancy by one household which is not attached to or located on a lot with commercial uses or other dwelling units.
Sonoma County, Ca,

Tiny houses on wheels are allowed as caregiver dwellings in Sonoma County, CA, as well as Napa, Lake, Mendocino, Alameda, Contra Costa & Sacramento, according to Sonya Tafejian of
Tiny House Consulting Sonoma County, phone 707-779-9474.

Sonoma County Zoning Code: Section 26-88-010

Article Source ATHA

Caregiver caravans legal in Sonoma and other northern CA counties

Colorado

Colorado’s Tiny House Movement, Communities and Resources Galore

The tiny house movement in Colorado is booming. Despite limited legal parking opportunities for tiny homes on wheels. But that is changing in a big way, thanks to community developers and local advocates. Their efforts have been aided by all the positive press about the last few years’ exuberant festivals, from the first Tiny House Jamboree to the annual Colorado Tiny House Festival and the People’s Tiny House Festival.

Several smaller events and the gorgeous WeeCasa hotel have added to the growing tiny buzz. The roster of Colorado-based tiny home builders is ever-growing—there are over 24 to choose from! DIY building options are plentiful, as well. The Denver metro is home to TrailerMade Trailers, Einstyne Tiny Homes (tiny house shell specialists) and DIY build sites are available from Tiny Home Connection and Colorado Custom Coachworks.

Tiny House Blog

Lyons, Colorado

The journey to legalize tiny homes on wheels  in Lyons, Colorado was a three year journey.  We  need to thank Byron Fears, owner of SimBLISSity Tiny Homes for being on the forefront of this  battle. Byron Fears is the Director Of Communications for the Tiny Home Industry Association ( THIA ).

Chuck Ballard, President of Pacific West Associates and Director of Standards for THIA was also instrumental in legalizing tiny homes in Lyons, Colorado.

Florida

Jasper, Florida- 40L Ranch in Jasper, Florida is a tiny home village for single women over 55 years of age. 40L affectionately stands for four old ladies. The tiny home village is an agricultural community who love horses! They allow tiny homes on a foundation, wheels or Park Models,  Details

Brevard, Floridia -Cheatham said the tiny homes are now being allowed in some neighborhoods both in the city of Longwood and in Brevard County where the commission recently came to an agreement.

“Brevard County now has a new piece of property that has just opened up some lots, it’s called Braveheart Properties in northern Brevard, and they actually are gonna be the first ones here in Brevard that will have an actual tiny home community — both on wheels, like the one you’re staying in, and on foundations,” Cheatham said.

Click Orlando

Tennessee

Cocke County

It’s all happening off a side road in Newport, Tennessee. Now people are moving to a Cocke County and jobs are being created. “We’ve got 68 people moving to Cocke County from all over the United States. From New Mexico. From Washington. From Arizona. While this may have you itching to invest in a tiny home, be mindful of strict local regulations and coding. Cocke County has embraced them but regulations on what defines ‘a house’ haven’t caught up everywhere.

“The county is open to tiny homes. There’s no restrictions,” Jones said.

WVLT8

Newport Plain Talk

Texas

Lake Dallas Tiny Village : Approved As A Planned Development Referencing 2018 IRC Appendix V-  Adapted By Approval Of Lake Dallas For Tiny Homes On Wheels

Article Source Taylor Premier Properties

Amended Ordinance 20190502-LD Ord Amending Tiny Home PD Ordinance-107709

Amended Ordinance Ordinance 2017-14 Amending Zoning Ordinance Gotcher

Note: Appendix Q was previously called Appendix V

Pennsylvania

The Ruscombmanor Township supervisors approved a zoning amendment on Sept. 5 allowing accessory dwellings such as tiny homes in residential districts. According to township Solicitor Paul T. Essig, the revision will allow one accessory dwelling unit (ADU) per property, and the unit may house relatives or caregivers for the owners of the main house. They cannot be rented.

The ordinance targets tiny homes that usually can be wheeled onto a space near but separate from the home, and can either be removed or converted into non-residential use, such as storage, once they’re no longer needed.

Essig said residents with the tiny homes would be required to obtain a permit, which the board set for $150, and have the permit reviewed every six months by a township zoning officer. Details.

Oregon

The Small House Specialty Code And Oregon Reach Code address moveable tiny homes. Details

Portland allows tiny homes with conditions. Details

Washington State

Senate Bill ESSB 5383 that went into effect July 28th, 2019 is a great win for moveable tiny homes. The provided a definition -“Tiny house” and “tiny house with wheels” means a dwelling to36be used as permanent housing with permanent provisions for living, sleeping, eating, cooking, and sanitation built in accordance with the state building code.

Individual cities and counties may allow tiny houses with wheels to be collected together as tiny house villages using the binding site plan method articulated in chapter 58.17 RCW.

Except as provided under subsection (4) of this section, a city or town may not adopt an ordinance that has the effect, directly or indirectly, of preventing the entry or requiring the removal of recreational vehicle or tiny house with wheels as defined in section165 of this act used as a primary residence in manufactured/mobile home communities.

Washington state is in the public comment stage regarding the adoption of Appendix Q until Sept 27th, 2019.

Details

Check Back As I Add More Wins For Our Industry!

Where Can I Live Legally?

Please review the Where Can I Live Legally page, there are a lot of resources for finding tiny home villages and creative ways to find a place to live in a moveable tiny home.

HBAM And ICC Publish 2018 Select IRC Options With MRC

HBAM And ICC Publish 2018 Select IRC Options With MRC

”2018 Select IRC Options For Use With The Michigan Residential Code”

Written By Janet Thome

The Home Builders Association of Michigan (HBAM) and the International Code Council (ICC) have joined forces to publish a targeted book of changes in the 2018 IRC to allow Home Builders Association of Michigan members and others to benefit from their new ability without having to buy the entire code. The book is titled ” 2018 Select IRC Options For Use With The Michigan Residential Code.”

Michigan Is Staying With 2015 IRC Until 2021 Is Adopted

The Flex Code Law, Public Act 504 of 2012  allows Michigan to choose to update the Michigan Residential Code every three or six years. Michigan chose not to update to the 2018 edition of the IRC published by the ICC and will be staying with the 2015 MRC until the 2021 edition of IRC is available and adopted.

The Flex Law: Allows Any Section Of The 2018 IRC

The state chose not to update to the 2018 edition of the IRC published by the ICC and will be staying with the 2015 MRC until the 2021 edition of IRC is available and adopted. In addition to providing flexibility in when the residential code is updated, The Flex Law  also included language to allow the use, at the option of the contractor, of any section of the 2018 IRC.

2018 Select IRC Options For Use With The Michigan Residential Code

The Builder’s Guide to Significant Changes to the 2018 IRC” provides Michigan home builders access to the latest advances in building safety, affordability and innovation.

The twenty-eight significant changes found in this book were selected by HBAM’s Building Code Committee as offering the most flexibility and utility for builders, electricians, plumbers and mechanical contractors.

The guide includes a summary of each change; the actual code language; the significance of the change and, when appropriate, illustrations. Examples of the illustrations can be found below. The guide will be available in either print or as a PDF. Individual pages can be printed from the PDF.

Appendix Q Tiny Houses: Listed As A Select Option

Appendix Q is listed in chapter Nine of the book HBAM and the ICC published, titled ” 2018 Select IRC Options For Use With The Michigan Residential Code.”

Lee Schwartz Is On The ICC Residential Energy Code Panel

Lees Schwartz,  HBAM’s Executive Vice President for Government Affairs is on the ICC’s Residential Energy Code panel, which will hear and have the first vote on all proposed changes to the residential energy code provisions.

Buy The Book At The ICC Website

Table Of Contents And Chapters

Learn More About Appendix Q And The ICC Process

Current Development Cycle

Article Source:  Home builders Association Of Michigan: 2018 Select IRC Options

Article Source: Home Builders Association Of Michigan : What The 2021 Residential Code Looks Like In Your Hands

Photo Credit: Dickinson Homes

 

 

Pennsylvania Tiny Home News

Pennsylvania Tiny Home News

Pennsylvania Tiny Home News

Ruscombmanor allows tiny homes on residential properties Sept 6th, 2019

According to township Solicitor Paul T. Essig, the revision will allow one accessory dwelling unit (ADU) per property, and the unit may house relatives or caregivers for the owners of the main house.

The units cannot be rented.

The ordinance targets tiny homes that usually can be wheeled onto a space near but separate from the home, and can either be removed or converted into non-residential use, such as storage, once they’re no longer needed.

Article SourceBerks Mont News

Tiny vacation homes will be sprouting up on his family’s 250 acre farm in Warfordsburg, Fulton County so veterans can enjoy mother earth’s beauty and tranquility around them without paying a dime.
Decker is constructing hope with his talents with woodworking. He creates furniture to sell and puts some of the money toward the houses.

Article Source WJACTV

Staying in Tiniest Tiny House in the County June 22nd, 2019

Today, there are 36 tiny homes on the grounds with nine more projected by the end of the year, each with its own particular design and footprint, all ranging from less than 200 square feet up to 400 square feet. The space has been approved for as many as 100 homes, though Hobson has said that might get a little crowded, tiny or no.

Article Source USNews

This tiny home inspired its owner to live a more “green” lifestyle August 27th, 2019

Nathaniel Graf moved into his tiny, eco-friendly house in Swarthmore, Pennsylvania initially as an experiment — but he loved it so much, he decided to stay.

Article Source AOL

Tiny-house site in Lancaster County now biggest in U.S Sept 26th, 2018

Tiny Estates, a tiny-house community which opened less than a year ago on the site of the former Ridge Run Campground in Elizabethtown, is now the largest tiny-house community in the U.S.

Article Source Penn Live Patriot News

Tiny Home Insurance

Tiny Home Insurance

Tiny Home Insurance: A Buyer’s Market

 

Written By Janet Thome

Insurance will be a requirement if you are going to finance your tiny home. Insurance  for  Tiny Homes and Park Models has become very affordable and many carriers are jumping on board because it has become a very hot market. Prices vary greatly so do some price comparison, because it is now a buyer’s market.

Park Model Or Tiny Home

Many builders market  the park models they build as tiny homes. It is important to know this when you want to obtain insurance. There is no legal, unified definition for a tiny home at the moment.

The term’s definition is as fluid as the wind and because it is not universally agreed upon, it is up for interpretation and you will find that almost every lender, insurance company , city or county has a different explanation for what a tiny home is.

Some insurance companies lump tiny homes and park models together and some companies have created separate divisions for them. Some allow wheels, some do not. Some companies allow tenant occupied, but not an Airbnb and some will allow an Airbnb.

Almost 5 years ago, my insurance was canceled 2 weeks after the policy was written because they said my park model was a tiny home.  Now they are insuring both. Progress!

Certification Requirement

RV Certification is required by some companies and not required by others. Most companies want the home to be professionally built, but now there are options for self builds. There is actually only one insurance carrier that requires certification that I have listed here.

Are You Thinking  Of Foregoing Insurance? Think Again

Read these stories and you might change your mind. Click Here.

Builders Risk Insurance

When choosing your builder for your tiny home, make sure the company has Builders Risk insurance that will cover your tiny home while being built and find out when the coverage stopped. You will want to have your insurance in place to avoid any gaps of coverage.

Excellent article from FitSmallBusiness regarding Builders Risk Insurance.

DIY Build

If you are building your own tiny home. There is insurance to protect your home while you are building your home.

Cautionary Tale: DIY Self Build WITHOUT:   Insurance Tiny House Talk

Full Time Living Covered!

Every resource I list allows for full time living whether it is owner or tenant occupied or an Airbnb.

Credit Counts

Your credit score counts toward the amount your policy will cost. Talk to several companies without pulling your credit to determine what is best for you, the prices range considerably. as much as a $500.00 difference.

Tiny Home Villages

If you have a tiny home village or you are  going to start one, make sure you consult with your insurance company to make sure there is not a lapse of  coverage with your property and outbuildings and your tenants. Get their advice on what the insurance requirements should be from your tenants including liability.

Who would clean up the mess, if someone brought a tiny home in and they had no insurance and a fire occurred? I personally lost everything in a fire because of someone else’s negligence- so I know the devastation that lack of insurance can bring.

One Policy With A Primary Residence And A Tiny Home ADU

You can also check with your primary insurance company and see if they will insure your tiny home as an ADU as a secondary residence on your property.

Transport Coverage

When choosing a company to transport your tiny home, make sure they have liability and cargo insurance and make sure their drivers are vetted.

Every Need Can Covered In The Tiny Home Industry

  • Park Model Insurance For Temporary, Vacation, Full Time Residence
  • Tiny Home Insurance With Or Without Wheels For Temporary, Vacation, Full Time Residence
  • DIY Tiny Homes With Or Without Wheels
  • RV Certified And Non Certified
  • For Those Who Travel
  • Airbnbs
  • Tiny Home Villages And Hotels
  • Trip Collison Coverage
  • Rental Reimbursement For Loss Of Income
  • Builders Insurance
  • Under Construction
  • Off The Grid
  • Wood Stove As Primary Heat
  • Other Structures
  • Theft
  • GPS Tracking
  • Loss Of Contents
  • Appliance Loss
  • WorkCampers
  • Personal Liability
  • Professionally Converted Vans And Skoolies
  • One Policy For Your Primary Residence And Tiny Home As A ADU

Tiny Home Insurance

American Modern

Homeowner’s Policy: Perfect Policy Meant For Owner Or Tenant Occupied

American Modern Specializes In Manufactured Home Insurance: Direct Insurance Company In All Fifty States

American Modern is now insuring Airbnbs!

Park Model: Wheels Must Stay On

The type of product they offer will consider your home as a park model style home under the manufactured home category. It is meant for a home that will not be moved around frequently, and that will stay in one spot once placed and be tied down/secured or placed on a foundation. Wheels must stay on.

Program offered is for home located in a park or on private land

 Can be full-time owner occupied, seasonal, rental or vacant

Comprehensive coverage for: The home itself, including any professionally attached structure, deck, porch, awnings and content coverage’s for belongings

Liability coverage in the event that a neighbor slips and falls on the homeowners deck for example.

Can offer flood and earthquake coverage (as offered per state/program)

Primary Heat Source Must Be Electric

 Home cannot have a wood stove or fireplace (supplemental source) as main heating source- must have electric baseboard, hot water baseboard (boiler) or forced air/ducts as primary heat source

 Home also must be wired for electricity, cannot be 100% solar powered. Solar must be a secondary source of power.

Details on coverage: Click Here

Trip Collision Coverage

American Modern has an excellent trip collision coverage that is priced very reasonably with a $100.00 deductible. It only lasts 30 days, but can be added when you first have your cabin delivered OR at anytime you have to move it. It covers the entire cabin including tires and axles. Depending on the location, the cost is  between $25 to $35.

Tiny Homes: Without Wheels

American Modern has another division just for tiny homes WITHOUT wheels.

You Can Call American Modern Directly Or  Find A Local Agent

American Modern: 866-880-8651
Find An Agent ClickHere

Strategic Insurance Agency LLC: Andrea 719 476 0106

If you are going to be traveling in your tiny home and need a homeowner’s policy and you want to cover the transport because you are picking it up yourself, give Andrea  a call. Strategic also offers insurance for off the grid tiny homes.

States  they provide tiny homes insurance in are Arizona, California, Colorado, Idaho, North Carolina, New Mexico, Oregon,Tennessee & Washington. Liability limits of $50k, $100k & $300k, and a trip endorsement which is $150 for the policy term, regardless of the amount  of trips.

 Commercial Insurance With Strategic Insurance Agency LLC

Martin Burlingame 719 476 0104 For your commercial needs

Strategic Insurance

Homeowner’s Policy: Self Built  And For Those That Will Travel Often: Transport Can Be Covered

Mac Insurance Company

Micheal Carmona : Agent, Owner 971-238-2502

Specializes In The Lloyd’s Of London Tiny Home Policy

Located in Portand, Oregon: Can Insure In Over 40+ States

Tiny Home Coverage Can Include:

  • Personal Property
  • Liability
  • Manufactured Built
  • RV Certified And Non Certified
  • Theft
  • Coverage When You Are On The Move
  • Trip Collision

Types Of Tiny Houses That Can Be Covered:

  • Tiny Homes On Wheels Stationary Or On The Move
  • Tiny Homes Without Wheels Or On The Move
  • Park Models
  • DIY Built
  • Manufactured Built
  • Professionally Converted Van And Skoolies

Tiny Homes Can Be Used As:

  • Primary Home
  • Tenant Occupied
  • Second Home-Vacation Home
  • Airbnb

Builder Coverage:

A builder can be covered for general liability, professional liability, business auto and inventory

What Is The Difference Between A Homeowner’s Policy And The Tiny Home Policy?

Regular home insurance policies weren’t written to cover a home that has the ability to be on the move or has a chance of getting stolen. 

Types Of Coverage in The Tiny Home Policy

Coverage A – Dwelling – This is the value of your tiny house if it gets damaged. We insure as low as $25,000 to as much as $150,000. If you buy it from a builder the price of purchase is usually the Coverage A limit. 

Coverage B – other Structures – This is for your solar panels, built on decks, and other property structures that are not part of the tiny house. We can do up to $50,000.

Coverage C – Contents – All personal belongings inside your house. If you were to turn your tiny upside down and whatever falls out is part of your personal property. Clothing, pots and pans, TV, electronics, your bed, etc.

Replacement Cost for Contents –  Whenever you have a loss your contents will be replaced brand new and not at its depreciated value. Meaning your 5 year old TV that might cost $40 now would be replaced by a $500 TV. 

Theft of Contents – We can offer up to $3,000 in theft coverage for your belongings.

Theft of Tiny Home – If you are worried about your tiny house being stolen then you need this! We provide a tracker so that if your house was ever stolen we can always have a way of finding it. 

Trip Endorsement – If you’re the type of person who travels with your home  or needs to move it from an old location to a new we can make sure you are always covered on the go. 

Personal Liability – Provides coverage for inside your premise and outside your premise. If someone were to get hurt on your premise and they were to sue you this is where your liability comes in. It would help pay towards any medical bills or charges from a lawsuit. This also covers you if you were to accidentally somehow hurt someone else. Like when a snowboarder collides with another or a fisherman hooks his buddy. Personal liability would also cover your tiny home if you are renting a space on someone’s else’s property in case you cause damage on their property.

Wood Stoves- They will insurance tiny homes that have wood stoves as their primary heat!!!

Mac Insurance

Foremost Insurance Group: The only company that requires certification

Foremost Insurance Group writes park model policies and tiny home policies. When you speak to an agent, make sure they know there are separate divisions for them. It is a newer change and not everyone is up to date on this.

You can obtain Foremost insurance through a Farmer’s agent.

Farmers Insurance

Insurance For Tiny Homes: Ontario, Canada

Dave Burns is a broker with Kingston Specialty Group that can help you obtain insurance in Ontario, Canada.  If you live in a different province, he can refer you to another broker.  Dave can provide insurance for owner or tenant occupied and off the grid tiny homes. Dave can also provide insurance for shells. If you are from Canada and you are having a cabin built in the US,  it is a good idea to talk to Dave Burns first regarding the heating choices allowed and inspections required.

The prices are very reasonable. Dave writes commercial policies as well.

David Burns RIB (Ont.) CAIB
Account Executive

844 Gardiners Road
Kingston, ON  K7M 3X9
Phone (613)634-8111
Cell (613)329-2628
Fax (613)634-5822
dburns@kingstoninsurance.ca

Photo Credit Tiny Portable Cedar Cabins