Tiny Home Insurance

As Tiny Homes increase in popularity, we have designed a Tiny Home insurance policy with coverages specifically to meet the needs of these unique homes and the exposures they face. These simple and elegantly designed homes provide owners with many benefits in shifting to this unique lifestyle. For example, owners have the flexibility to be able to use their homes however they want, giving them the freedom of mobility or to place their home permanently on a lot. Our product helps protect your clients and the investment they make in their tiny home.

Product Highlights:

  • All Risk Coverage

  • Replacement Cost Settlement

  • Available for permanently placed and mobile units

  • Competitive Rates

  • $2,000,000 Liability Limit Included

  • Enhanced Coverages:

    • Personal Property Coverage
    • Power Generator & Solar Energy Equipment Coverage
    • Towing & Storage
    • Fire Department Charges
    • Sewer Backup
    • Watercraft

This product is available on Agency Bill or Direct Bill, including our in-house financing option.

Our in-house claims department will handle any claims that may arise for your client’s Tiny Home. The Guardian Risk Managers Claims Team is available 24/7, 365 days of the year for your clients.

To receive a quote for your client, complete the attached application and forward to our underwriting team at niche@guardianrisk.com. Our underwriting team will strive to provide a quote within 48 hours of your submission.

Application Form