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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Oct 1, 2020

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Here's what you need to know...

  • The tiny house craze has been taking the country by storm because so many people are looking to downsize their living space and decrease their cost of living
  • There is a difference between a manufactured home program and dwelling program in terms of getting insurance coverage for your tiny house
  • You may be able to get a discount on insurance coverage for your tiny house if you are able to insure multiple lines of coverage with the same provider
  • It is generally not a good idea to take the money that you would be saving by not having a traditional mortgage payment and try to skip out on carrying regular home insurance for your tiny house

Almost everyone in the country has heard of the tiny house phenomenon by now.

These amazingly tiny structures are featured on plenty of tv shows that give a glimpse into the lives of all kinds of Americans who are looking to save money on their traditional living expenses by downsizing their living arrangements.

Florida also makes for a very desirable location for tiny house living because there is so much land available in the state and there is an attractive climate.

If you are interested in exploring whether a tiny house in Florida would be a good fit for you, there are insurance coverage considerations to make before you take the plunge for good.

Start comparison shopping to find the best auto insurance rates for your tiny home today! Enter your ZIP code above to get started!

The New Fad of Tiny Homes

Tiny houses became so popular in recent years thanks to the influence of a range of tv shows that feature all different kinds of living arrangements for tiny homes across the country.

For example, HGTV has three tv shows dedicated to tiny houses airing right now:

  • Tiny House, Big Living
  • Tiny House Builders
  • Tiny House Hunters

The DIY Network also airs Tiny Houses: Living Large in a Small Space. The FYI channel features tiny homes as well on their show Tiny House Nation.

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Tiny Homes: The Newest American Dream

There are plenty of reasons why more Americans are embracing the tiny house lifestyle.

One of the common scenarios is that young people are increasingly saddled with so much debt when they graduate from school, that they are unable to afford a traditional mortgage.

In addition, there are plenty of couples without children who have found that they are encumbered by too many pointless possessions and want to live a more streamlined lifestyle.

Insuring Tiny Homes in Florida

Tiny houses are either built on wheels or as a stationary structure. If you are building a stationary structure, then you will need to have a specific piece of property in mind upon which to build your tiny home.

On the other hand, if you are able to have your tiny house build on top of a trailer, then it is a mobile structure that you would be able to take around the country with you.

There is a wide range of homebuilders in Florida that offer tiny home building services. Here are a few options:

 Tiny Home Builders

Tiny Home Builders has been around since 2009 and is located in DeLand, Florida.

Tiny Home Builders designs custom tiny houses for its Florida customers.

 Tiny Surf House

Another local option for surf houses is Coyle Development and Building (CDB).

They specifically design tiny houses that fit in with the leisurely Florida lifestyle. These houses can be used as a vacation home or permanent residences.

 Historic Shed Company

The Historic Shed Company in Brooksville, Florida builds cottage structures that either complement an existing home residence or can be used as a stand-alone dwelling.

There are various cottage floor plans to choose from to make sure that each cottage owner gets the layout that he or she desires.

 Cornerstone Tiny Homes

Cornerstone Tiny Homes has years of experience in serving the residents of Florida as well as a proven track record of constructing durable and convenient homes.

It has even built tiny homes in the Bahamas.

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Where can I park?

If you are wondering where you might be able to park your tiny home on wheels, RV parks may present a viable option for you. There are plenty of RV parks in Florida that advertise that they accept tiny homes on their land.

If you would like to park your tiny house on a piece of private land, there are local zoning and community regulations that could affect where and how you are allowed to park your tiny house in each community.

The best way to make sure that you are not violating any laws is to check with the local planning department in the community where you would like to stay.

In addition, there are also tiny house communities that advertise lots of space that are available for tiny house building or parking. In particular, there is a tiny house community in Rockledge, Florida that allows for tiny house parking.

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Auto Insurance for Tiny Houses on Wheels in Florida

If you have a tiny house that is built on wheels, then you may be able to get RV insurance for your tiny home.

RV insurance comes with many of the common coverage plans that you would expect for auto insurance, including:

  • Liability
  • Collision
  • Comprehensive
  • Personal effects

A manufactured home is also sometimes referred to as a mobile home and is required to be built according to the Manufactured Home Construction and Safety Standards (HUD Code).

Manufactured homes must be constructed and transported on top of a permanent chassis.

This type of construction is distinct from a dwelling, which is a more permanent structure that is constructed as a personal residence on a plot of land.

It is possible for you to bundle different insurance policies for a tiny house in Florida. There are specialized companies that provide tiny house insurance policies in particular states.

The tiny house industry is currently developing, so it is expected that the insurance market for tiny homes will be expanding in years to come.

If you already have car insurance through a company, you may want to check and see if that same company would be willing to offer you coverage for your tiny house.

Insuring your tiny home through your car insurance company might make the most sense for you because you could be offered a discount for having multiple lines of insurance through the same insurance provider.

Comparison Shopping To Find the Best Rates

Even though tiny houses are a relatively new concept in mainstream America, there are still plenty of options for insurance that you can check into.

Remember, you may be required to carry insurance on your tiny home by law, so you do not want to go for any period of time without the required coverage. You will want to check the laws specific to your state through your state department of insurance.

The most important thing to make sure that you do in shopping for tiny home insurance in Florida is to get quotes from as many different insurance providers as possible. With online rate comparison tools, this is an easy and quick task.

The more quotes that you are able to compare, the better you will feel about committing to a specific policy.

You can be sure that you are not being over-charged for the policy that you need for your tiny house in Florida.

Thanks to the comparison shopping tools available online, insurance companies are now pitted against each other, which helps keeps rates reasonable. You never want to simply jump at the very first quote that you are offered for tiny home insurance.

Wrap Up on Tiny House Insurance in Florida

If you are interested in whether the tiny house phenomenon might be the right lifestyle choice for you, there are plenty of options in Florida to choose from.

Tiny homes are becoming a more popular housing option for many Americans who are looking to downsize and save money on their mortgages.

You can choose between having your tiny house constructed as a permanent dwelling on a plot of land or as a mobile tiny home.

You will need to take your insurance options into account when looking into a tiny home to make sure that you are able to get coverage in the area where you want to live in your tiny home.

If you are wanting to insure your tiny home in Florida, start comparison shopping today with our FREE online quote tool! Enter your ZIP code below to get started!