An overview of insurance options. Note that this review covers policies that insure the physical structure of the house itself. The contents of any house (mobile or not) can be easily covered through any personal renters or homeowners insurance policy. Contents of the house are determined by whatever is -not- affixed to the structure. For purposes of a renters insurance policy, any physical address may be used (even of a friend, etc).
|Micro House Insurance Options||RVIA Certified Trailer||Own Land||Notes||Sample Sources|
|On foundation||N/A||Yes||Standard house insurance policy||Nationwide, Progressive, Geico, etc.|
|On wheels||No||No||No known options except in CA/NV/OR/UT/CO/WA/AZ/TX/MI/OH||Grenz Insurance Agency, email@example.com, 503-206-6736; http://www.insuremytinyhome.com|
|On wheels||No||Yes||Transfer land title to an LLC (must pay deed transfer tax), purchase a business ‘property and inland marine’ insurance policy to cover any assets (trailer, tools, etc) on land owned by the LLC. Do not need RVIA certified or NADA listed trailer, just list of property and estimated values. LLC member(s) must own trailers on land covered by insurance policy, and trailers must be cited as being used ‘for business purposes’.||Erie Flex Quote via Alliance Insurance Services, Inc.
1660 L St., NW, Suite 210
Washington, DC 20036; http://www.allianceindc.com/
|On wheels||Yes||Y/N||Standard RV insurance||Nationwide, Progressive, Geico, etc all have RV insurance for RV’s listed in the NADA guide, that are RVIA certified. For units that are only RVIA certified (but not NADA listed), try Richard Koman, Farmers Insurance (firstname.lastname@example.org, 707-293-0054)|