10 Best Home Insurance Companies for Tiny Homes in 2025 (See the Top Providers Here)

Top Pick in for Tiny Homes: State Farm

17,760 reviews

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4.1

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Company Facts

Full Coverage

$80/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Home Insurance Reviews

17,760 reviews

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Best Premiums for Tiny Homes: Allstate

11,413 reviews

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4.0

Company Facts

Full Coverage

75/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Multiple coverage options
• Various discounts
• Additional savings programs

• Lower than average customer service ratings
• Higher than average auto insurance rates

» Allstate Home Insurance Reviews

11,413 reviews

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Best Plans for Tiny Homes: Nationwide

3,019 reviews

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4.0

Company Facts

Full Coverage

$85//mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Great rates for teen drivers
• Great rates for people with bad credit
• Usage-based savings options
• A+ ratings with A.M. Best and the BBB
• Discounts options
• Various coverages
• Excellent customer service options
• Excellent claims handling
• Many options for bundling services
• Good rates when adding a teen driver to a policy
• A pay-per-mile insurance option
• Coverage in 46 states
• Customizable policies

• Pricey policies
• Low customer satisfaction with the claims process
• No option for rideshare coverage
• High premiums for individuals with a DUI
• High premiums for individuals with accidents on their record
• Low overall customer satisfaction ratings

» Nationwide Home Insurance Reviews

3,019 reviews

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The best home insurance companies for tiny homes are State Farm, Allstate, and Nationwide. State Farm is the top pick. It offers affordable rates, starting around $40/month, with broad coverage and discounts. Allstate provides excellent bundling deals, while Nationwide stands out for flexible policy options. These companies balance cost, coverage, and reliability for tiny homeowners.

Insuring your tiny home shouldn’t be a hassle. We’ve picked the best options based on price, coverage, and accurate customer experiences. Whether you want affordable basics or complete protection, these top choices make it easy.

Our Top 10 Company Picks: Best Home Insurance Companies for Tiny Homes

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	17%	B	Custom Coverage	State Farm
	#2	25%	A+	Affordable Premiums	Allstate
	#3	20%	A+	Home Plans	Nationwide
	#4	20%	A	Flexible Policies	Farmers
	#5	10%	A+	Easy Quotes	Progressive
	#6	10%	A++	Military Families	USAA
	#7	25%	A	Full Coverage	Liberty Mutual
	#8	25%	A+	Local Expertise	Erie
	#9	5%	A+	Custom Coverage	The Hartford
	#10	13%	A++	Fast Claims	Travelers

Great coverage doesn’t have to cost a lot. Compare these top providers and find the right policy for your tiny home.

Read more: Best Home Insurance for Second Homes

Ensure your home is protected by entering your ZIP code into our home insurance comparison tool today.

#1 – State Farm: Top Overall Pick

Pros

• Save on Safety Upgrades: Installing security systems and smoke detectors can unlock discounts and lower your premium.
• Reliable Tiny Home Coverage: Protects your home, belongings, and liability, so you’re covered when unexpected events happen.
• Helpful Local Agents: A strong network of agents makes getting personal guidance and quick claims support easy. Discover the complete picture in our State Farm insurance review.

Cons

• Rates Can Be Pricey in Some Areas: Premiums may be higher depending on your tiny home’s location and unique features.
• Limited Online Policy Management: While you can get a quote online, some policy changes and claims still require working with an agent.

#2 – Allstate: Comprehensive Coverage

Pros

• Significant Savings on Bundles: Allstate offers discounts for bundling home, auto, and other policies.
• Coverage That Fits: Flexible policy options let tiny homeowners customize their protection. Gain valuable knowledge from our Allstate home insurance review.
• Dependable Claims Support: Strong financial backing ensures smooth and reliable claim payouts.

Cons

• Limited Availability: Some states may have restrictions or fewer coverage options.
• Restrictions on Tiny Homes: Certain tiny home types may not qualify for full coverage.

#3 – Nationwide: Best for High-Value Tiny Homes

Pros

• Extra Savings for Safe Homes: Get discounts for security systems, smoke alarms, and more.
• Solid Tiny Home Coverage: Protects your home, belongings, and liability under one policy.
• Smooth Claims Process: Known for fast payouts and reliable customer support. Uncover key details in our Nationwide insurance review.

Cons

• Pricey in Some Areas: Insurance costs can be higher depending on where you live.
• Fewer Customization Options: Coverage may not be as flexible as other providers.

#4 – Farmers: Best for Customizable Policies

Pros

• Significant Savings for New Homes: Farmers offer discounts for newly built or recently renovated tiny homes, helping homeowners lower costs, for an in-depth analysis, check out our Farmers insurance review.
• Coverage That Fits: Policies can be customized to include dwelling, liability, and personal property protection tailored to tiny home needs.
• Easy Claims Process: Farmers have the funds to pay out quickly, so you’re not left waiting.

Cons

• Limited In-Person Support: Fewer local agents mean less face-to-face service in some areas.
• Pricey in Some Locations: Tiny home insurance rates can be higher depending on where you live.

#5 – Progressive: Best for Tiny Homes on Wheels

Pros

• Significant Savings on Bundles: Save money by combining tiny home and auto insurance under one policy.
• Coverage That Fits: Customize your home, belongings, and liability protection based on your needs.
• Quick Online Quotes: Get an instant estimate without the hassle of talking to an agent.

Cons

• Can Be Pricey: Premiums may be higher depending on your tiny home’s location and features.
• Not All Tiny Homes Qualify: Some home types may have coverage restrictions, so check before signing up.

#6 – USAA: Best for Military Families

Pros

• Made for Military Families: USAA’s coverage is built specifically for service members, veterans, and their families, offering benefits that fit their lifestyle.
• Plenty of Ways to Save: Get discounts for bundling policies, keeping a claims-free record, and making your home safer.  Explore the benefits in our USAA insurance review.
• Customer Service You Can Count On: Fast claims processing and highly rated support make handling insurance easy and stress-free.

Cons

• Not Available to Everyone: Only military members, veterans, and their families qualify, so it’s not an option for the general public.
• Fewer Local Offices: While online and phone support are excellent, in-person help is more challenging due to a limited number of physical locations.

#7 – Liberty Mutual: Best for Discounts and Bundling

Pros

• Significant Savings on Bundles: Liberty Mutual offers discounts for bundling home and auto insurance, helping tiny homeowners save.
• Flexible Coverage Options: Policies include dwelling, liability, and personal property protection. Discover specific details in our Liberty Mutual insurance review.
• Strong Financial Backing: Well-established company with reliable claims support and quick payouts.

Cons

• Can Be Expensive: Rates may be higher in some areas, making it less budget-friendly.
• Not All Tiny Homes Qualify: Some homes have coverage limits, so check before signing up.

#8 – Erie: Best for Comprehensive Tiny Home Protection

Pros

• Extra Savings for Safe Homes: Erie rewards homeowners with discounts for installing smoke alarms, security systems, and other safety features.
• Well-Rounded Tiny Home Coverage: Policies include dwelling, personal property, and liability protection, covering many risks.
• Friendly and Reliable Customer Support: Known for excellent service, Erie makes the claims process smooth and stress-free for policyholders.

Cons

• Not Available Everywhere: Erie’s home insurance is limited to certain states, so tiny homeowners may have fewer options.
• There are no instant online quotes. You must contact an agent for pricing details, which can be inconvenient if you want quick comparisons.

#9 – The Hartford: Best for Seniors and AARP Members

Pros

• Exclusive Perks for AARP Members: Special discounts and benefits make coverage more affordable for eligible policyholders.
• Comprehensive Tiny Home Protection: This covers your home, belongings, and liability, so you’re financially secure if the unexpected happens.
• Highly Rated Customer Service: Known for responsive claims handling and strong support when you need help.  Learn more in our guide titled, The Hartford Insurance Review & Complaints.

Cons

• Limited Availability: Policies are primarily available to AARP members, so not everyone qualifies for coverage.
• Higher Rates for Some Homeowners: Premiums may be more expensive depending on your tiny home’s location and specific risks.

#10 – Travelers: Best for Extensive Coverage Options

Pros

• Flexible Coverage for Tiny Homes: Travelers lets you adjust your policy to fit your home’s unique size, structure, and features.
• Save More with Bundling: Get discounts when you combine tiny home insurance with auto or other policies.
• Quick and Fair Claims Support: Travelers has a strong track record of handling claims efficiently, so you get help when needed.

Cons

• Higher Costs in Some Areas: Premiums may be pricier if your tiny home is in a high-risk location. Our Travelers insurance review provides more information.
• Not Specifically Designed for Tiny Homes: While coverage is flexible, it may require extra customization to fully meet your needs.

Tiny Home Insurance Rates by Provider & Coverage

Finding the right insurance for your tiny home doesn’t have to be complicated. With so many providers, rates and coverage can vary a lot. That’s why we’ve laid it all out for you—monthly costs by provider and coverage level—so you can compare at a glance. Whether you want basic protection or full coverage, this breakdown helps you see what fits your budget.

Tiny Homes Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$26	$75
	$30	$85
	$27	$72
	$35	$90
	$32	$85
	$27	$76
	$31	$80
	$33	$86
	$35	$81
	$25	$70

Tiny home insurance prices aren’t one-size-fits-all. Location, coverage, and provider all determine what you’ll pay. Use this comparison to find the best deal without sacrificing protection. The right coverage is out there—you must know where to look!

Tiny homes may be small, but they still need significant protection. Whether yours is on wheels or a foundation, the right insurance keeps it safe from the unexpected. Coverage options vary based on size, location, and how often you travel, so it’s essential to find a policy that fits your lifestyle. With the right coverage, you can enjoy the freedom of living without worrying about surprise expenses.

Tiny Home Insurance for Mobile & Manufactured Homes

Whether mobile or manufactured, tiny homes need the proper insurance to stay protected. Coverage can vary based on how and where you live, so finding a policy that fits your lifestyle is essential. This guide breaks down what you need to know to keep your home safe without overspending.

The right insurance protects your tiny home, whether you stay in one place or take it on the road. Explore your options, find the best insurance coverage, and enjoy tiny living without worry.

Best Home Insurance Discounts for Tiny Homes

Homeowners insurance doesn’t have to be a significant expense. Many providers offer ways to save, like bundling policies, installing security features, or keeping a clean claims record. Taking the time to explore your options can help you cut costs while still getting solid coverage.

Home Insurance Discounts From the Top Providers for Tiny Homes

Insurance Company	Available Discounts
	Multi-Policy, Claims-Free, Early Sign-Up, Paid-In-Full, Anti-Theft Devices, New Home, Home Safety Features
	Multi-Policy, Claims-Free, New Home, Paid-In-Full, Home Safety Features, Early Renewal
	Multi-Policy, Claims-Free, Protective Devices, Paid-In-Full, Home Renovation, New Home, Green Home
	Multi-Policy, Claims-Free, Early Sign-Up, Protective Devices, Home Safety Features, Claims-Free Years
	Multi-Policy, Claims-Free, Paid-In-Full, Safety Features, Green Home, New Home, Age Of Home
	Multi-Policy, Claims-Free, Home Safety Features, Paid-In-Full, Renovations, Age Of Home
	Multi-Policy, Claims-Free, Early Sign-Up, Home Safety Features, Anti-Theft Devices, Claims-Free Years
	Multi-Policy, Claims-Free, Protective Devices, Paid-In-Full, Claims-Free Years, Safety Features
	Multi-Policy, Claims-Free, Early Sign-Up, Home Safety Features, Home Renovations, Paid-In-Full
	Multi-Policy, Claims-Free, Paid-In-Full, Military Discounts, Home Safety Features, Claims-Free Years

Why pay more than you have to? Take advantage of discounts, compare different providers, and find a policy that gives you the best value—without sacrificing the protection your home needs.

Protecting your home doesn’t have to be expensive. Enter your ZIP code below into our free tool to find affordable homeowners insurance today.