Tiny Home And Park Model Insurance

Written by Janet Thome

We want to extend a warm welcome to Mary and Dave Ponsness with the Mary Ponsness Insurance Agency LLC as a new commercial member of THIA. The agency is based out of Moses Lake, Washington. Mary and Dave specialize in tiny home and park model insurance. The Mary Ponsness Agency write policies in Washington, Oregon and Idaho.

Photo Credit: Tiny Portable Cedar Cabins

Park Model Or Tiny Home

Many builders market the RVs or 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.

How Is A Park Model A Tiny Home?

LA has just followed the lead of Fresno and San Luis Obispo in allowing movable tiny homes ( tiny homes on wheels ) as ADUs ( Accessory Dwelling Units) as backyard cottages. Dan Fitzpatrick, the President of THIA, helped write the LA ordinance through the groundwork  of advocates, including ATHA and the Latch Collective.

Movable tiny homes must be certified and built to either the RV NFPA 1192 Standard or the ANSI 119.5 Standard. A lot of ” tiny home” builders are building RVs or Park Models, but marketing them as tiny homes.

”Tiny Home” builders usually always voluntarily build beyond the required minimum standards, addressing snow loads when applicable, with higher insulation ratings,  2 X 4 or 2 X 6 construction, 25 year roof warranties and superior materials, meeting or exceeding all egress and fire safety regulations.

LA Ordinance

Photo Credit: Skoolie Homes

Mary Ponsness Insurance Agency LLC Can Provide Insurance For :

  • Park Models
  • Tiny Homes On A Foundation
  • Builder’s Risk
  • DIY Tiny Home Enthusiast
  • Off Grid
  • Wood Stoves
  • Full Time Occupancy
  • Owner Occupied
  • Tenant Occupied
  • AirBnb
  • Second Vacation Home
  • Skoolies
  • ADUs
  • Commercial Use
  • Renter’s Insurance

Asset Protection

Mary and her team  prefer to think of their agency  in the asset protection business rather than insurance sales. They  provide guidance and education for their customers, so that they can make an informed decision on how to best protect what they have worked so hard to achieve.

One Stop Agency For All Your Insurance Needs

The Mary Ponsness Insurance Agency LLC  has extensive experience in the insurance industry having worked with medical insurance, expanding their knowledge and education now to include auto, home, renters, business, farms, life,  and now health insurance.

Contact Mary, Dave or Samatha and ask them about a discount if you have multiple policies with their insurance carriers.

Featured Image Credit: Carriage Houses NW

Mary Ponsness Insurance Agency LLC

118 W 4th Ave
Moses Lake, WA 98837
509 765-0731



Five star rating with excellent reviews and they always have a licensed agent answering their phones Ready to expedite your insurance needs.