UPDATED: Nov 30, 2018
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About Darrell Grenz Insurance
Named for the founding agent, Darrell Grenz Insurance is an independent agency based in Portland, Oregon. The agency was founded in 2004 and helps customers with a full range of insurance needs, including home insurance, auto insurance, life insurance, health insurance, and business insurance.
With the growth of the tiny home industry and its popularity, particularly in the agency’s home state, agent Darrell Grenz created a specific insurance policy just for tiny houses. The agency partnered with Lloyd’s of London, a venerable and well-known specialty insurance company, to create and underwrite this type of policy.
Darrell Grenz Insurance is an agency, and an insurance company, which means they do not underwrite their policies, nor do they pay claims. They are, however, currently the only agency that offers the Lloyd’s of London tiny home policy.
The agency is approved or partnered with other agencies in all 48 contiguous states, and it is working on completing the licensing process. That means that although the coverage is currently not available everywhere, it soon will be. Since that changes rapidly, it is best to check with the agency directly to find out about coverage in your state.
Darrell Grenz Insurance Products
Darrell Grenz Insurance operates, as mentioned, as an insurance agency, and most of the products available through the agency are not specific to them. Like all independent insurance agents, they run quotes from multiple companies to find the best coverage and deal for their customer’s needs.
The company website does not list which insurance companies they work with, and it is almost entirely focused on the tiny home insurance market, which they have come to the forefront of in the past few years.
Tiny House Insurance
Tiny houses are a particular insurance challenge because they combine some of the needs of a home, either vacation or full-time, with some of the needs of an RV.
The Darrell Grenz tiny house policy created with Lloyd’s of London is a comprehensive policy that covers the tiny house itself, personal property, liability, and also offers travel coverage to protect the home when being towed.
The policy can be customized for tiny homes on wheels or tiny homes that are stationary, and it can also include other structures like a shed that is on the same property. It can also cover tiny homes regardless of how they are used – seasonally, as vacation rentals, or as a full-time residence.
There is even a policy available for tiny homes during the course of construction that will provide protection from the specific liability and other risks of building a home.
Online quoting is not offered by the agency, which makes sense given they are an agency and not an insurance company. They do have a form that can be filled out to request a quote for tiny home insurance, but the rates will not be returned immediately.
Since the tiny house policy is a very unusual type of insurance and hard to locate, there is really no way to compare it to other companies. Those shopping for tiny house insurance may be comparing rates with specialty homeowners and even RV policies, but this is not an apples to apples comparison.
With regards to claims, the website offers no information, likely because claims are handled through Lloyd’s of London. Again, Darrell Grenz Insurance is an agency and not an insurance company, which means they are not equipped to process claims.
Like most agencies, however, they will likely be able to assist customers with the filing of claims by taking information and directing it to the appropriate location. From there the actual insurance company will take over the claim.
Ratings and Consumer Reviews
Darrell Grenz Insurance Agency has an A+ rating with the Better Business Bureau (BBB), and there are no complaints on file in the past three years.
We found 11 reviews on Yelp with an overall 4-star rating. Most of the reviews are positive, but some complained that it was difficult to get a response from anyone at the company when seeking either quotes or assistance.
Google has three negative reviews, all citing similar problems with communication and response time. One person states they paid for an insurance policy that was never issued, a problem that appears to have been resolved, and according to the company response was on the insurance company’s end, but it is nonetheless unsettling.
The Bottom Line
Finding insurance for a tiny house is difficult, and Darrell Grenz Agency is one of the few places dedicated to making it happen. Bear in mind that they are an agency and not an insurance company, and they do not handle claims. There are a few complaints regarding the responsiveness of this agent, but also quite a few satisfied customers; if you’re looking for tiny house insurance, they are worth a call.
For a list of companies that we recommend, visit our Best Insurance Companies page.