--- title: Mobile Home, RV & Tiny Home Insurance 101 description: Whether you choose smaller-scale housing as a nomadic lifestyle choice or to save money, it is important to make sure your home is protected. image: https://blog.winter-dent.com/hubfs/Mobile%20Home%2c%20RV%20%26%20Tiny%20Home%20Insurance%20101.jpg --- [![WINTER DENT](https://blog.winter-dent.com/hs-fs/hubfs/raw_assets/public/WinterDent_April2021/images/winter-dent-logo-white.png?width=190&height=671&name=winter-dent-logo-white.png "WINTER DENT")](https://winter-dent.com/) **Call Today** [(800) 769-3472](tel:8007693472) - - - - - [4sight™](https://winter-dent.com/4sight-businesses/) - [Businesses](https://winter-dent.com/businesses/) - [Industries](https://winter-dent.com/industry/) - [Automotive Services](https://winter-dent.com/industry/automotive-services/) - [Commercial Agriculture](https://winter-dent.com/industry/commercial-agriculture/?__hstc=98323584.e4ec31e2366579b4874bcfdfbf087834.1623772675837.1623772675837.1623792231863.2&__hssc=98323584.7.1623792231863&__hsfp=2738717617) - [Construction](https://winter-dent.com/industry/construction-industry/) - [Energy / Power](https://winter-dent.com/industry/energy-power/) - [Farm](https://winter-dent.com/industry/farm/) - [Financial Institutions](https://winter-dent.com/industry/financial-institutions/) - [Health Care](https://winter-dent.com/industry/health-care/) - [Manufacturing](https://winter-dent.com/industry/manufacturing-industry/) - [Professional Services](https://winter-dent.com/industry/professional-services/) - [Real Estate](https://winter-dent.com/industry/real-estate/) - [Religious Institutions](https://winter-dent.com/industry/religious-institutions/) - [Transportation Services](https://winter-dent.com/industry/transportation-logistics/) - [View all industries](https://winter-dent.com/industry/) - [Individuals](https://winter-dent.com/individuals/) - [Insight](https://blog.winter-dent.com/insight) - [Resources](https://resources.winter-dent.com/resources) - [Careers](https://winter-dent.com/careers/) - [Contact Us](https://winter-dent.com/contact-us/) - Clients - [epay / pay online](https://winter-dent.epaypolicy.com/) - [file a claim](https://winter-dent.com/file-a-claim/?__hstc=98323584.e4ec31e2366579b4874bcfdfbf087834.1623772675837.1623772675837.1623792231863.2&__hssc=98323584.6.1623792231863&__hsfp=2738717617) - [access csr24](https://portal.csr24.com/mvc/6342122) - [financial services](http://www.winterdentfs.com/) - - - - ![](https://blog.winter-dent.com/hubfs/Mobile%20Home%2c%20RV%20%26%20Tiny%20Home%20Insurance%20101.jpg) # Mobile Home, RV & Tiny Home Insurance 101 Published by [Winter-Dent](https://blog.winter-dent.com/insight/author/winter-dent) on Jan 13, 2023 8:30:00 AM *Originally published 9/7/21 - Updated 1/13/23* While the interest in tiny dwellings or a more nomadic lifestyle is far from new, the mobile home, RV, and tiny home industries have boomed in recent years, especially following the pandemic. Many note the positive factors of eco-friendliness and affordability as primary reasons for choosing this alternative housing option according to stats from [Millenium Magazine](https://millenniummagazine.com/real-estate/tiny-home-real-estate-trends-for-2021/). Whether you choose smaller-scale housing simply as a nomadic lifestyle choice, to downsize, or to save money, there are some important things to consider when purchasing home insurance to protect your small home. Contrary to what some might assume, typical home insurance policies will not cover your mobile home, RV, or custom-built tiny home. This is true even if you live in your smaller home full-time. A typical home insurance policy simply won't suffice. Read on to learn more information about insuring your smaller home:[![Why ESOP Matters: As an Employee and as a Customer](https://no-cache.hubspot.com/cta/default/7709236/d10b3792-763d-4cc9-b235-478e1ab320c4.png)](https://cta-redirect.hubspot.com/cta/redirect/7709236/d10b3792-763d-4cc9-b235-478e1ab320c4) ### What Kind of Insurance Coverage is Right For You? Depending on your home type, you’ll need either RV, mobile home insurance, or a tiny home-specific policy. Each will protect your home and the personal items inside from perils like fire, theft, and falling objects. #### Mobile Home Insurance [![Putting-a-property-and-casualty-captive-to-work-for-your-business-ebook](https://no-cache.hubspot.com/cta/default/7709236/de3510c4-5525-4e7c-a6f3-cd5ec452ee95.png)](https://cta-redirect.hubspot.com/cta/redirect/7709236/de3510c4-5525-4e7c-a6f3-cd5ec452ee95) Mobile home insurance is a specific policy designed to cover a tiny home usually referred to as a “trailer”. These are written on a policy specifically designed to insure trailers, the trailer must be delivered on wheels and have a “title.” The mobile home can be set up on a permanent foundation or must be tied down and skirted. #### RV Insurance An RV is a vehicle that is licensed to drive on the highway and has living quarters. RVs are written on an auto policy specially designed to insure an RV. The policy includes auto liability coverage, uninsured/underinsured motorist coverage, medical payments, and comprehensive and collision coverage. If you’re insured and live in the RV full-time, an endorsement would need to be added to the policy for “full-timers” coverage. #### Tiny Home Insurance A tiny home is a manufactured home similar to a modular home.  The home is delivered on a flatbed trailer in one piece and set up on a closed foundation or crawl space. Insurance for a tiny home is written on a homeowner policy form. Although not all insurance companies will agree to write a “tiny home”, there are carriers available that will write policies for these homes. ### What is a Tiny Home? You are likely already familiar with RVs and mobile homes. However, since tiny homes are still relatively new, it’s helpful to quantify what an insurance company would deem a tiny house. A tiny house by definition is a very small house. There are no official size limits or specifications in terms of the insurance. However, most of these homes are between 100 and 400 square feet. To get an idea of how that differs from regular-sized homes, consider the fact that most single-family dwellings built in 2019 were 2,301 square feet according to the [U.S. Census Bureau](https://www.investopedia.com/tiny-house-insurance-how-to-insure-your-tiny-home-5074333). Tiny homes, as touched on above, can either be on wheels, moveable, or stationary. This distinction and how you use your home are key factors in what type of insurance coverage you need. #### Having Proper Insurance is Important: Knowing Your Policy Remember, your insurance provider can deny your claim if they find out that your home failed to meet the specified requirements necessary to guarantee coverage. This of course depends on your specific situation and geographic location. For RV coverage, you may need to have certain fixed installation appliances and facilities, such as plumbing to “meet” your policy requirements. It’s important to know all the details of your policy to ensure that you have met them in the event you need to file a claim.[![Interested-in-more-information-Winter-Dent](https://no-cache.hubspot.com/cta/default/7709236/c191dd97-cae8-46e8-a4ee-ea663f452b46.png)](https://cta-redirect.hubspot.com/cta/redirect/7709236/c191dd97-cae8-46e8-a4ee-ea663f452b46) Tags: [home insurance](https://blog.winter-dent.com/insight/tag/home-insurance), [Personal Lines](https://blog.winter-dent.com/insight/tag/personal-lines), [Travel](https://blog.winter-dent.com/insight/tag/travel) [Back to Blog](https://blog.winter-dent.com/insight) ## Related Articles ## [First-Time Homebuyers Guide to Home Insurance](https://blog.winter-dent.com/insight/first-time-homebuyers-guide-to-home-insurance) If you are like most, your home is your singular largest financial investment and is an immensely... [Read More](https://blog.winter-dent.com/insight/first-time-homebuyers-guide-to-home-insurance) ## [What You Need to Know About Owning a Vacant Home](https://blog.winter-dent.com/insight/what-you-need-to-know-about-owning-a-vacant-home) If you are planning to leave your current home empty for an extended period of time, or if you are... [Read More](https://blog.winter-dent.com/insight/what-you-need-to-know-about-owning-a-vacant-home) ## [15 Home Safety Tips While You're Away for Vacation or the Holiday](https://blog.winter-dent.com/insight/15-home-safety-tips-while-youre-away-for-vacation-or-the-holiday) Whether you're traveling to see family or going to a cozy cabin to relax, taking a trip is one of... [Read More](https://blog.winter-dent.com/insight/15-home-safety-tips-while-youre-away-for-vacation-or-the-holiday) - [Individuals](https://winter-dent.com/individuals/) - [Businesses](https://winter-dent.com/businesses/) - [Industries](https://winter-dent.com/industry/) - [Insight](https://winter-dent.com/insight/) - [Careers](https://winter-dent.com/careers/) - [Contact](https://winter-dent.com/contact-us/) - [CSR24](https://portal.csr24.com/mvc/6342122) - [Financial Services](http://www.winterdentfs.com) - [Epay / Pay Online](https://winter-dent.epaypolicy.com/) - - - © 2026 WINTER-DENT ## Get in Touch With Us ![WINTER DENT](https://blog.winter-dent.com/hs-fs/hubfs/raw_assets/public/WinterDent_April2021/images/winter-dent-logo-white.png?width=290&name=winter-dent-logo-white.png "WINTER DENT") Winter-Dent was founded with the commitment to provide innovative products and solutions to help you meet your business and personal financial goals — all without every losing the human touch. ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Winter-Dent", "url" : "https://blog.winter-dent.com/insight/author/winter-dent" }, "dateModified" : "2023-01-13T15:41:52.190Z", "datePublished" : "2023-01-13T14:30:00.000Z", "headline" : "Mobile Home, RV & Tiny Home Insurance 101", "image" : [ "https://blog.winter-dent.com/hubfs/Mobile%20Home%2c%20RV%20&%20Tiny%20Home%20Insurance%20101.jpg" ], "mainEntityOfPage" : { "@id" : "https://blog.winter-dent.com/insight/mobile-home-rv-tiny-home-insurance-101", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.winter-dent.com/hubfs/WD%20logo-1.jpg" }, "name" : "Winter-Dent" } } ```