Living in a tiny home offers simplicity, freedom, and a smaller carbon footprint—but that doesn’t mean your insurance has to be complicated or costly. In fact, with the right steps, you can significantly lower your home insurance premium and still protect what matters most.
At Eugene C. Yates Insurance Agency, we specialize in helping Sacramento residents—tiny home owners included—find the best possible coverage for their unique living situations. Here’s how you can save on your tiny home insurance.
🛠️ 1. Get the Right Type of Insurance
Tiny homes don’t always fall under traditional homeowners insurance. Depending on how your tiny home is built and used, the best insurance option might be:
- Mobile or manufactured home insurance
- RV insurance (for homes on wheels that travel)
- Specialty tiny home insurance
- Standard homeowners insurance (for tiny homes on a permanent foundation)
Pro tip: Work with an independent agency (like us!) to compare multiple carriers and find the perfect fit.
🔐 2. Boost Your Safety Features
Insurance premiums are based on risk. You can lower your risk—and your cost—by adding safety features like:
- Smoke and carbon monoxide detectors
- Fire extinguishers
- Deadbolt locks
- Security alarms
- Fire-resistant roofing and siding
Even basic upgrades can lead to a 5% to 15% discount on your premium.
💸 3. Raise Your Deductible (Within Reason)
Opting for a higher deductible means you’ll pay more out-of-pocket in the event of a claim—but you’ll pay less monthly or annually. Just make sure the deductible is still within your budget if the unexpected happens.
🧱 4. Use Certified Builders and Quality Materials
Tiny homes built by licensed professionals, especially those certified by RVIA (Recreational Vehicle Industry Association) or NOAH (National Organization of Alternative Housing), are considered safer by insurers. High-quality construction lowers the chances of fire, water damage, or structural issues—and that translates to lower premiums.
📍 5. Park or Place in a Safe Location
Where your tiny home is located matters:
- Avoid flood, wildfire, or earthquake zones
- Choose a safe neighborhood or RV park
- Limit frequent moves (if your tiny home is mobile)
Homes in safer areas are seen as lower risk—and get rewarded with lower insurance rates.
📦 6. Insure Only What You Need
Tiny homes come with a minimalist lifestyle. Don’t over-insure:
- Take inventory of your belongings
- Adjust personal property coverage accordingly
- Consider actual cash value if you’re looking for a more affordable premium
Every dollar of unneeded coverage adds up—customizing your policy helps you save.
🔁 7. Bundle and Save
If you already have auto, life, or health insurance, bundling your tiny home policy with the same provider may qualify you for a multi-policy discount—often up to 25%.
As independent agents, we shop top insurance carriers and help you find bundling options that make sense.
🏡 Small Home, Big Savings
Your tiny home is more than just a place to live—it’s a lifestyle. And part of that lifestyle should include smart, affordable protection. With the right policy, the right location, and a few smart upgrades, your insurance can match your minimalist mindset.
💬 Let’s Talk Tiny Home Insurance
Whether your tiny home is on wheels or permanently placed, we’ll help you:
- Choose the right type of policy
- Customize your coverage
- Lower your rate without lowering your protection
📞 Call Eugene C. Yates Insurance Agency today
💻 Or request a free, no-pressure quote online
Eugene C. Yates Insurance Agency
Trusted. Local. Affordable. Proudly serving Sacramento since 1946.