finding insurance for my tiny home

[Fruit4ndW4ter]

I live in a tiny home and have been trying to find homeowners or property insurance for my tiny home, but I'm hitting a wall everywhere I look. The big issue seems to be that it doesn't have a foundation.

I'm out here on 24 acres, running a small homestead with goats, chickens, and rabbits, so I have a lot to lose.
To make things worse, we've had two wildfires pop up around me in the last two years, thanks to some pretty careless neighbors

Does anyone with a tiny home or a similar setup have a source for insuring their property?
Can I insure it as an RV? Yeah, I know I sound a little desperate, it's bcs I need to get some coverage before the next fire season hits.

Any advice would be a lifesaver!

 

[ronnieblack]

Getting insurance for a tiny home without a foundation is tough , but some insure theirs as an RV or mobile home. Since you've got land, animals and wildfire risk, try reaching out to insurers who specialize in tiny homes or rural properties. You might have better luck with companies that cover modular or manufactured homes.

 

[panelandpropane761]

@Fruit4ndW4ter

You might want to think about getting insurance for your tiny home through the California FAIR Plan, which is specifically made for high-risk zones. Another option is to check out specialized policies that cater to manufactured homes. Insuring it as an RV could also be a possibility, but keep in mind that this might come with limitations and might not cover all potential risks. It's a good idea to look for companies that provide coverage for distinctive properties, or you could reach out to an independent insurance agent who can help you navigate through these options.