Homeowner's Insurance For Your Small House

​Over the past several years, minimalism has become more and more popular. Many people are desiring to live in small houses to avoid clutter and the accumulation of things. You can also live simpler and help save the environment! If you haven’t gotten your tiny house insured, you might be wondering what the coverage options are. 

As you read along, you’ll learn more about small house insurance and its coverage options.

What Is A Small House?
A tiny house typically measures about 100-400 square feet. Sometimes, they’re built on wheels; therefore, mobile. Some are also built in a place and are not movable. Nonetheless, although they’re miniature, they still have their own set of costs. 

Now, what are the coverages for your small house? 

Insurance for Small Houses: RV Insurance
Recreational vehicle insurance is the best choice for your tiny mobile house. Whether it’s parked or moving, the coverage will apply. RV insurance is made specifically for travelers and can include collision coverage. 

There are set standards to be qualified for insurance, and below are the types of coverage.

1. Collision
   The first type is collision which covers damages when your tiny house is involved in an accident. Regardless of who’s at fault, you won’t have to pay out-of-pocket.
2. Comprehensive
   This type of coverage includes any non-collision incidents such as theft, vandalism, fire, and other weather-related incidents that might cause damage to your small home.
   
3. Liability
   The third type pays for any damage you cause to another party.
4. Uninsured
   When an uninsured vehicle hits your tiny home, this type will pay for any damages to your tiny home.
5. Personal Property
   This coverage will pay for damages to personal property and other expenses.
6. Medical
   Lastly, the medical coverage will pay for any medical expenses if you or your passengers are injured during an accident.

Other Types of Policies For Small Houses
There are also other policies for tiny homes like mobile home insurance and peril policies. The former is the best choice if you decide to move around maybe a few times a year. It covers liability, property, and home coverage. While the latter can be used to supplement your insurance, should there be any peril outside your original coverage. 

Conclusion
Living in a small house may not be suitable for all of us. But, you can reap a lot of benefits like low maintenance and simpler living. Tiny houses are also expensive, so getting insured is the best decision you make.

At UG Insurance Brokerage Inc, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (718) 848-7777 or Click Here to request a free quote.  Topics and coverage in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!