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.
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.
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.
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.
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.
“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.
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.
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.
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.
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.
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.
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.
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.
The Small House Specialty Code And Oregon Reach Code address moveable tiny homes. Details
Portland allows tiny homes with conditions. Details
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.
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!
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.
Every resource I list allows for full time living whether it is owner or tenant occupied or an Airbnb.
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.
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
Tiny Home Villages And Hotels
Trip Collison Coverage
Rental Reimbursement For Loss Of Income
Off The Grid
Wood Stove As Primary Heat
Loss Of Contents
Professionally Converted Vans And Skoolies
One Policy For Your Primary Residence And Tiny Home As A ADU
Tiny Home Insurance
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.
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
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
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:
RV Certified And Non Certified
Coverage When You Are On The Move
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
Professionally Converted Van And Skoolies
Tiny Homes Can Be Used As:
Second Home-Vacation Home
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!!!
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.
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 BurnsRIB (Ont.) CAIB
844 Gardiners Road
Kingston, ON K7M 3X9
Fax (613)634-5822 email@example.com
Note: Please due your own due diligence and check with the county and city you want to live in yourself.
Tiny House Expedition
Alexis Stephens & Christian Parsons are documentary filmmakers, educators and advocates on an extraordinary ‘Journey with a Purpose’ with our DIY tiny home on wheels.
As co-founders of Tiny House Expedition, we seek to inspire others to redefine home and rethink housing through thought-provoking storytelling, resource sharing, and educational events. Humbly, we have the world’s most traveled tiny house on wheels. Our documentary work includes the acclaimed three-part educational series, Living Tiny Legally.
The American Tiny House Association ( ATHA ) is on the forefront of the knowledge of where to live legally and are the movers and the shakers of the industry, advocating for the legalization of tiny home living Nationwide.
The Tiny Portable Cedar Cabins Blog features vetted legal places to live from tiny home villages, RV Parks, Workcamping opportunities, backyard rentals, land for sale and deeded lots in RV resorts that are tiny home friendly. Please contact Janet Thome to have your community featured and listed.
Try It Tiny: Rent A Tiny House: Find Tiny House Parking
Try It Tiny connects people to give them the opportunity to rent a tiny house or share their land with tiny house enthusiasts nationwide. Become part of a growing community by renting a tiny house or parking your tiny house on hosts’ properties.
Craigslist is a great resource for finding tiny home parking. Look under parking and storage, rentals, land for sale and often barter. You can also put your desire for parking under wanted in the housing section.
Instead of throwing your money away leasing a lot. Buy a deeded lot. It is usually all ready set up for an RV- so it is perfect for a park model or tiny home. Another plus is year around living is allowed.
Tiny Homes: Recent Housing Trend Coming To Vegas In A Big Way June 12th, 2019
The business of building tiny homes is also booming in southern Nevada. These little living places have been a hot commodity for people who want to use tiny homes for camping, Airbnb, music festivals or creating a living space for a family!
Massachusetts Appendix Q: Official January 2020 July 2nd, 2019
The newest complete edition of the MA Building Code will be released in 2021. However, effective 1/1/2020, Appendix Q, also known as the Tiny House Appendix, is anticipated to be adopted into the current Massachusetts state building code.
ADU hearing digs into affordability question August 15th, 2019
The City Council and Planning Board have been asked to deliberate on an “accessory dwelling unit” ordinance. The package would tweak city rules to allow for accessory dwelling units or “in-law apartments,” along the way empowering homeowners to create small apartment units largely within their homes. The rules today allow such uses, but only for family members or caregivers to live in — and they must be destroyed once the property is sold or the intended tenant no longer lives at the property.
Building Codes for Tiny Homes Relaxed: Appendix Q Adopted
A year-long effort to remove obstacles in the state’s building code for Mainers interested in pursuing a so-called “tiny home lifestyle” has been deemed a success by a Maine lawmaker who originally sponsored a bill to address the issue.
How are small farms surviving? Airbnb July 11th, 2019
While larger farms get by with government subsidies, smaller farms are turning to the rental economy.
Airbnb recently released data showing that last year there were 57,000 rural listings on the site. An Airbnb spokesperson said that from February 2018 to February 2019, 943,534 guests stayed at a farm they found on Airbnb, booking more than 745,000 nights.
Hosts with farm listings earned more than $81 million. In Maine, where the Sinisis live, 51 percent of rural hosts told Airbnb in a recent survey that income raised through the site has helped them stay in their homes.