10 Best Home Insurance Companies for Tiny Homes in 2025 (See the Top Providers Here)

Top Pick in for Tiny Homes: State Farm

18,155 reviews

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4.1

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Company Facts

Full Coverage

$80/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Home Insurance Reviews

18,155 reviews

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Best Premiums for Tiny Homes: Allstate

11,638 reviews

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4.0

Company Facts

Full Coverage

75/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Multiple coverage options
• Various discounts
• Additional savings programs

• Lower than average customer service ratings
• Higher than average auto insurance rates

» Allstate Home Insurance Reviews

11,638 reviews

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Best Plans for Tiny Homes: Nationwide

3,071 reviews

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4.0

Company Facts

Full Coverage

$85//mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Covers exotic pets (unique among insurers)
• Comprehensive wellness & illness plans
• Discounts for multiple pets

• Higher premiums than some competitors
• Some conditions have long waiting periods

» Nationwide Home Insurance Reviews

3,071 reviews

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The top pick overall is State Farm, with Allstate and Nationwide also ranking among the best home insurance companies for tiny homes.

Our Top 10 Company Picks: Best Home Insurance Companies for Tiny Homes

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	17%	B	Custom Coverage	State Farm
	#2	25%	A+	Affordable Premiums	Allstate
	#3	20%	A+	Home Plans	Nationwide
	#4	20%	A	Flexible Policies	Farmers
	#5	10%	A+	Easy Quotes	Progressive
	#6	10%	A++	Military Families	USAA
	#7	25%	A	Full Coverage	Liberty Mutual
	#8	25%	A+	Local Expertise	Erie
	#9	5%	A+	Custom Coverage	The Hartford
	#10	13%	A++	Fast Claims	Travelers

These providers offer dependable coverage for both mobile and stationary setups, with flexible options that match different living styles.

This breaks down how each company compares when it comes to service, claims, and coverage extras. If you’re insuring a tiny home, these are the best insurance companies to start with.

Don’t settle for expensive home insurance premiums. Enter your ZIP code to find robust coverage for your dwelling at an affordable price.

Tiny Home Insurance Rates by Provider & Coverage

If you’re comparing insurance options for a tiny home, this table gives you a clear snapshot of monthly costs by provider and coverage level. USAA offers the lowest minimum coverage rate at $25, while Allstate isn’t far behind at $26 and also keeps full coverage fairly affordable at $75.

Tiny Homes Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$26	$75
	$30	$85
	$27	$72
	$35	$90
	$32	$85
	$27	$76
	$31	$80
	$33	$86
	$35	$81
	$25	$70

If you’re looking for full coverage and want to save, USAA again stands out with a $70 rate, followed closely by Farmers at $72. For those interested in bundling or additional discount options, Liberty Mutual and The Hartford tend to run higher in cost, with full coverage rates reaching $90 and $86, respectively.

State Farm falls in the middle, offering solid all-around value at $31 for minimum and $80 for full coverage insurance. If you’re searching for the best insurance for tiny house living, this breakdown can help you balance cost with coverage, especially when deciding between a stationary or mobile tiny home.

Tiny Homes Insurance Monthly Rates by Age & Provider

When you compare and insure tiny house rates by age group and provider, you can quickly spot how age impacts monthly costs. For new homeowners, USAA and Erie offer some of the most affordable rates—$68 and $70, respectively—while State Farm lands on the higher end at $85.

As we move into the mid-age category, rates start climbing, with State Farm reaching $95 and Allstate and Liberty Mutual close behind at $90. Older homeowners see the biggest jump in premiums, with State Farm again the highest at $120 and USAA still offering the lowest at $98.

If you’re comparing the average cost of insurance by age, it’s clear that younger policyholders tend to pay less, but the gap widens significantly as you age. That makes it especially important to shop around. If you’re older and looking to save, USAA or Erie might offer the best value, while younger homeowners may find flexible options with Progressive or Farmers.

Tiny Home Insurance for Mobile & Manufactured Homes

Whether mobile or manufactured, tiny homes need the proper insurance to stay protected. Coverage can vary based on how and where you live, so finding a policy that fits your lifestyle is essential. This guide breaks down what you need to know to keep your home safe without overspending.

The right insurance protects your tiny home, whether you stay in one place or take it on the road. Reputable tiny home insurance companies make it easier to explore your options, find the best home insurance coverage, and enjoy tiny living without worry.

Tiny home insurance isn’t just about protection—it’s about peace of mind. Whether you’re parking your home in a new spot or hitting the road for an adventure, having the right coverage ensures you’re ready for anything, from natural disasters to accidents.

If your home stays in one place, make sure you’re looking into insurance for stationary tiny homes to get the right kind of long-term protection. With the right policy, you can focus on what matters most—enjoying your tiny living experience.

Best Home Insurance Discounts for Tiny Homes

If you’re buying home insurance for a tiny home, this discount comparison is a great place to start. State Farm really stands out with some of the biggest savings, offering up to 20% off for bundling, 24% for being claims-free, and a generous 17% discount for having safety devices installed.

Top Home Insurance Discounts for Tiny Homes

Insurance Company	Bundling	Claims-Free	Home Security	Loyalty	Safety Device
	15%	20%	10%	8%	10%
	12%	12%	20%	6%	10%
	12%	25%	14%	7%	10%
	14%	20%	9%	6%	10%
	11%	18%	10%	9%	10%
	16%	21%	11%	10%	10%
	20%	24%	15%	12%	17%
	15%	14%	22%	6%	10%
	13%	16%	7%	8%	10%
	10%	23%	12%	11%	10%

Progressive and USAA also deliver strong claims-free discounts at 21% and 23%, respectively, while Farmers leads the pack with a 25% claims-free incentive. If you’ve invested in home security, The Hartford offers the highest discount at 22%. For buyers who value loyalty perks, State Farm again shines with 12%, followed by USAA at 11%.

While every provider offers a standard 10% discount for safety devices, the combined savings really vary. If you’re focused on maximizing savings on homeowners insurance, look closely at how many categories each provider rewards—State Farm, Farmers, and Progressive seem to offer the most well-rounded discounts.

Types of Coverage for Tiny House Insurance

This table clearly answers what home insurance covers for tiny homes. It includes protection for the structure itself, your belongings inside, and liability if someone is injured on your property. If your tiny home is on wheels, trip collision coverage is essential for transport damage. Coverage for off-grid systems like solar panels and composting toilets is also available if listed.

Tiny Homes Insurance Coverage Levels

Some policies include attached structures such as decks or stairs, and loss of use coverage helps pay for living expenses if the home becomes unlivable. When comparing the types of insurance for tiny homes, focus on which providers offer these specific protections—not all companies cover everything listed.

What Impacts Tiny Home Insurance Costs

This table outlines the key factors that affect tiny home insurance rates and eligibility. Insurers look at home age, with newer homes often qualifying for lower premiums. Square footage impacts replacement costs, especially for homes between 100 and 400 square feet.

Tiny Home Characteristics That Impact Insurance

Whether the home is mobile or on a foundation affects the type of policy offered. ZIP code influences pricing due to weather, crime, or fire risk. Construction material and roof type affect durability and resistance to damage. The foundation type determines policy eligibility, while on-grid or off-grid utilities may require additional endorsements.

DIY builds often need certification, and security features like alarms or cameras can reduce premiums. If you’re using a review directory to compare providers, understanding these details helps explain rate differences.

10 Best Home Insurance Companies for Tiny Homes

This section breaks down the top 10 home insurance companies for tiny homes, highlighting what each does best—and where they fall short. Whether you need affordable premiums, strong claims support, or tailored coverage for your tiny house setup, you’ll get quick takeaways here to help you choose with confidence.

#1 – State Farm: Top Overall Pick

Pros

• Save on Safety Upgrades: Installing security systems and smoke detectors in tiny homes can help reduce your insurance premiums, as many providers offer safety-related discounts.
• Reliable Tiny Home Coverage: Get protection for your structure, personal belongings, and liability—essential coverage tailored to the unique risks of tiny homes.
• Helpful Local Agents: State Farm offers easy access to local support for tiny homes, and get full details in our State Farm Insurance review.

Cons

• Rates Can Be Pricey in Some Areas: Insurance costs for tiny homes may be higher based on location, mobility, and build type.
• Limited Online Policy Management: For tiny homes, some updates or claims may still need to go through an agent, even if quotes start online.

#2 – Allstate: Best for Affordable Premiums

Pros

• Significant Savings on Bundles: Allstate offers bundling discounts that can lower insurance costs for tiny homes, especially when combined with auto or other policies.
• Coverage That Fits: Allstate offers flexible policy options tailored for tiny homes and learn more in our Allstate home insurance review Allstate home insurance review.
• Dependable Claims Support: For tiny homes, strong financial backing helps ensure fast and reliable claim payouts when you need them most.

Cons

• Limited Availability: Some states offer fewer tiny homes insurance options or limit eligibility.
• Restrictions on Tiny Homes: Certain tiny home types may not qualify for full coverage.

#3 – Nationwide: Best for Home Plans

Pros

• Extra Savings for Tiny Homes: Earn discounts for adding security systems, smoke alarms, and other safety features.
• Solid Coverage for Tiny Homes: One policy protects your structure, personal items, and liability.
• Smooth Claims Process for Tiny Homes: Nationwide offers fast payouts and dependable support for tiny homeowners, and see more in our Nationwide Insurance review.

Cons

• Pricey in Some Areas: Insurance for tiny homes can cost more based on location and local risk factors.
• Fewer Customization Options: Some insurers offer limited flexibility for tailoring tiny homes coverage.

#4 – Farmers: Best for Flexible Policies

Pros

• Significant Savings for New Tiny Homes: Farmers provides discounts for newly built or updated tiny homes, helping reduce premiums—see full details in our Farmers Insurance review.
• Coverage That Fits Tiny Homes: Policies can be tailored to cover the structure, liability, and belongings specific to tiny homes.
• Easy Claims Process: Farmers delivers fast payment, assisting small homeowners in getting back on their feet without delays.

Cons

• Limited In-Person Support: Tiny homes insurance may offer less face-to-face help due to fewer local agents.
• Pricey in Some Locations: Insurance rates for tiny homes can be higher in areas with greater risk or limited provider options.

#5 – Progressive: Best for Easy Quotes

Pros

• Significant Savings on Bundles for Tiny Homes: Save by bundling tiny home and auto insurance, and earn extra discounts through Progressive Snapshot based on your safe driving habits.
• Coverage That Fits Tiny Homes: Customize protection for your structure, personal items, and liability to match how your tiny home is used.
• Quick Online Quotes for Tiny Homes: Get a fast estimate tailored to tiny homes without needing to call an agent.

Cons

• Can Be Pricey for Tiny Homes: Insurance premiums may be higher based on your tiny home’s location, mobility, or custom features.
• Not All Tiny Homes Qualify for Coverage: Some insurers exclude certain tiny home types, like DIY builds or homes without foundations.

#6 – USAA: Best for Military Families

Pros

• Made for Military Families in Tiny Homes: USAA offers coverage tailored to service members living in tiny homes, with benefits that match their lifestyle and mobility needs.
• Plenty of Ways to Save on Tiny Homes: USAA offers discounts for bundling, staying claims-free, and adding safety features to your tiny home and Explore the benefits in our USAA Insurance review.
• Trusted Support for Tiny Homes: USAA delivers fast claims processing and strong customer service, making tiny home insurance simple to manage.

Cons

• Limited to Military Families: USAA coverage for tiny homes is only available to military members, veterans, and their families.
• Fewer In-Person Options: While USAA’s support is reliable, tiny homeowners may find limited local office access for face-to-face help.

#7 – Liberty Mutual: Best for Full Coverage

Pros

• Significant Savings for Tiny Homes:  Bundling discounts for home and auto insurance helps tiny home owners reduce their overall costs.
• Flexible Coverage for Tiny Homes: Liberty Mutual offers protection for your tiny home, personal belongings, and liability. Discover specific details in our Liberty Mutual Insurance review.
• Reliable Support for Tiny Homes: Liberty Mutual Insurance offers reliable claims processing and a fast payout process for tiny house policies.

Cons

• May Be Costly for Tiny Homes: Premiums are higher in some locations, which affects affordability for modest homeowners.
• Tiny Home Restrictions Apply: Not all tiny homes qualify for coverage, especially if they’re mobile, off-grid, or non-certified, so review policy terms carefully.

#8 – Erie: Best for Local Expertise

Pros

• Extra Savings for Safe Tiny Homes: Erie offers discounts for tiny houses with smoke alarms, security systems, and other safety features.
• Comprehensive Coverage for Tiny Homes: Erie policies cover the structure, belongings, and liability, offering broad protection for tiny homeowners.
• Support You Can Count On: Erie is also known for its attentive service and painless claims process, a plus for tiny home coverage.

Cons

• Not Available Everywhere for Tiny Homes: Erie’s coverage is only offered in select states, which may limit options for tiny homeowners. Learn more in our Erie Insurance review & complaints.
• No Instant Quotes for Tiny Homes: You’ll need to contact an agent to get pricing for tiny homes, which can slow down the comparison process if you’re looking for quick estimates.

#9 – The Hartford: Best for Custom Coverage

Pros

• Exclusive Perks for AARP Members With Tiny Homes: Eligible AARP members can access special discounts that make tiny home insurance more affordable.
• Comprehensive Protection for Tiny Homes: Coverage includes the structure, personal belongings, and liability to help keep tiny homeowners financially protected.
• Strong Support for Tiny Homes: The Hartford is known for responsive claims handling and dependable service. Learn more in our guide for The Hartford Insurance review.

Cons

• Limited Availability for Tiny Homes: Coverage is mainly offered to AARP members, so not all tiny homeowners are eligible.
• Higher Rates for Certain Tiny Homes: Premiums can be more expensive based on your tiny home’s location, mobility, or construction type.

#10 – Travelers: Best for Fast Claims

Pros

• Flexible Coverage for Tiny Homes: Travelers allows you to customize coverage based on your tiny home’s size, build, and features.
• Bundling Discounts for Tiny Homes: Save more by combining tiny home insurance with auto or other policies.
• Reliable Claims Support for Tiny Homes: Travelers is known for fast, fair claims handling, giving tiny homeowners dependable service when it matters most.

Cons

• Higher Costs for Tiny Homes in Some Areas: Premiums can be more expensive if your tiny home is in a high-risk zone. See more in our Travelers Insurance review.
• Not Specifically Designed for Tiny Homes: Travelers coverage is flexible, but insuring tiny homes may require added customization to match their unique needs.

Get the Right Insurance for Your Tiny House

Finding the right insurance for your tiny home doesn’t have to be complicated. Whether you’re settled in one place or living on wheels, the top providers we covered—like State Farm, Allstate, and Nationwide—offer strong coverage options at rates that won’t wreck your budget.

The key is knowing what kind of protection your setup really needs and comparing companies that specialize in covering those details. Tiny home insurance is a niche product, but when you shop smart and think about what matters most—structure, belongings, liability, and mobility—you’ll land a policy that fits without paying for things you don’t need.

Protecting your home doesn’t have to be expensive. Enter your ZIP code below into our free tool to find affordable homeowners insurance today.