Insurance For Tiny Houses In Transit
We have covered an insurance option for those of us in the western states before on our blog (click HERE) but that coverage is only active for parked tiny houses. So, how do you deal with insuring your tiny house when you are moving it? Is there insurance for tiny houses in transit? Our friend Alek Lisefski (turns out we actually went to the same school in little Fairfield, Iowa!) at The Tiny Project wrote a great article on how to deal with insurance for your tiny house on the move.
You can of course hire a towing company to do the move for you and they will be insured (well, they better be for the price you’ll need to pay them). But I know most of our readers are of the DIY persuasion so you’ll need to consider how to insure your tiny house on the go. In the article, Alek says, “Any time your house is on the road it won’t be covered by your regular auto insurance”. Yikes.
He says that to insure his tiny house, “We had the house categorized as a modular home, insured as part of a commercial trucking policy. The technical name for the type of towing we were doing was referred to as a “mobile totor.” But it get’s more complicated.” And here it really does get nutty, “Our truck (and trailer) had to be insured as part of the commercial trucking policy, and — here’s the kicker — in order to insure the house (or anything we towed, for that matter) WE COULD NOT OWN IT. This type of commercial policy is meant for towing other peoples’ stuff for pay. So in order for the insurance company to go along with it, I had to assure them that I did not in fact own the house. BUT I DID own it! So how was I to make this work?”
To read what Alek did to get a policy for his tiny house on the move, click HERE. And be sure to say a big hello to Alek on his comments section! He’s a wonderful guy who is passionate about tiny living and helping in any way he can. Thanks Alek for letting us share your experience!