Straight answers
Can you insure a tiny home?
Yes, and the thing that decides how is not the size of the home. It is what the home is in law. A modular home on a permanent foundation is real property, so it insures the way a house does, under a homeowner's policy. A home on wheels is a vehicle: it is titled and registered as one, and it insures under an RV or specialty policy that covers the unit in transit as well as parked. A home that is neither certified nor permitted is the hard case, because an underwriter has no third-party record of how it was built, and that is where owners find their options narrow to specialty markets or disappear.
Figures verified against the sources below · September 9, 2026
01 — The longer answer
Why the policy follows the classification
The sequence that costs people money
Certification is checked before a policy is issued, not after, and the certifying bodies say the calls come too late. NOAH, one of the two US certifiers, writes that it gets calls daily about certifying a home for insurance purposes and that many come “after the fact, after the home is already built,” when the owner discovers the insurer is asking for certification. A finished home cannot be inspected through its own walls. If insurance matters to you, the decision belongs at the start of the build, not at the end.
What underwriters actually ask about
By NOAH's account the file turns on how the home was built and by whom, its size and value, whether it is certified and by which body, how it will be used, whether it moves, and the usual claims and credit history. Two of those are settled the day the build is specified and cannot be changed later: how it was constructed, and who inspected it.
Insurance is often not optional anyway
If the home is financed, the lender will generally require coverage, the same way it does for a house or a car, and a unit that travels on public roads carries the liability requirements any towed vehicle does. So the practical question is rarely whether to insure it. It is whether the home you are about to buy can be insured on ordinary terms.
Why we publish no premium figure
Every annual figure we could find for tiny home insurance traces back to an unsourced estimate rather than to underwriting data, including one on a certifier's own blog prefaced with “my research is”. We are not going to repeat a number we cannot stand behind. Get a quote against your actual specification, and get the eligibility rules in writing from the carrier rather than from a builder, including ours.
One thing we can be direct about, because it is our own decision rather than a market claim: we build the modular models to CSA A277 and the wheeled models to the applicable RV standard, and the certification is completed before the home ships. That is the record an underwriter asks to see.
02 — Where to go next
03 — Sources
Each figure above links to the authority it came from.
NOAH Certified, Insuring Your Tiny Home Investment: certification by NOAH or RVIA is checked when insuring, calls about certifying a home for insurance purposes frequently come after the home is already built, and underwriting factors include construction, size, value, RVIA/NOAH status, how the home is used, claims history and credit history; a financed home will generally have insurance required by the lender
noahcertified.orgRV Industry Association adopted standards: NFPA 1192 for recreational vehicles and ANSI/RVIA A119.5 for park model RVs, covering fuel systems, fire and life safety, plumbing and construction requirements
rvia.org
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