Best Tiny Home Insurance in California (Top 10 Companies Ranked for 2025)
Farmers, Liberty Mutual, and Allstate provide the best tiny home insurance in California, with rates beginning at $50 only per month. Their plans encompass vital aspects like construction coverage, towing, and parking, catering to homeowners in search of savings and assurance.
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Table of Contents
Table of Contents
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Laura D. Adams
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated October 2024
3,072 reviewsCompany Facts
Full Coverage CA Tiny Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
3,072 reviews
3,792 reviewsCompany Facts
Full Coverage CA Tiny Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
3,792 reviews
11,638 reviewsCompany Facts
Full Coverage CA Tiny Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviews
Farmers is the leading choice for the best tiny home insurance in California, providing competitive rates starting at $50 per month for comprehensive coverage.
Our Top 10 Company Picks: Best Tiny Home Insurance in California
Company Rank Home Insurance Discount A.M. Best Best For Jump to Pros/Cons
#1 20% A Customizable Coverage Farmers
#2 25% A Service Excellence Liberty Mutual
#3 25% A+ Extensive Protection Allstate
#4 25% A++ Competitive Pricing Geico
#5 12% A+ Custom Options Progressive
#6 20% A++ Personalized Service State Farm
#7 20% A+ Financial Strength Nationwide
#8 20% A Discounts Offered American Family
#9 8% A++ Financial Stability Travelers
#10 10% A+ Enhanced Benefits Erie
- Farmers offers policies and liability protection starting at $50/month
- Find the best tiny home insurance in California that meets your needs
- Explore expert reviews to help you select the ideal tiny home insurance
#1 – Farmers: Top Overall Pick
Pros
- Discount Opportunities: Farmers provides a range of discounts that could potentially lower premiums for homeowners.
- Supplementary Coverages: Farmers offers additional options such as identity theft protection and coverage for equipment breakdown.
- Claims Processing: Farmers receives praise for its prompt and effective handling of claims.
Cons
- Elevated Prices: Some homeowners may perceive Farmers’ premiums to be higher when compared to those of competitors.
- Restricted Accessibility: Farmers may limit options for certain homeowners. Further details can be found in our Farmers insurance review.
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#2 – Liberty Mutual: Best for Service Excellence
Pros
- Package Savings: Liberty Mutual provides discounts for bundling home and auto policies together.
- Financial Stability: As stated in our Liberty Mutual insurance review, Liberty Mutual boasts robust financial ratings ensuring claims security.
- Continuous Claims Support: Liberty Mutual offers 24/7 assistance for claims processing.
Cons
- Discount Restrictions: Certain homeowners may perceive Liberty Mutual’s discount offerings as less comprehensive.
- Service Challenges: Certain clients voice discontent with Liberty Mutual’s customer service quality.
#3 – Allstate: Best for Extensive Protection
Pros
- Pros Savings Potential: Allstate offers diverse discount opportunities that could lead to reduced premiums.
- Comprehensive Coverage: Allstate provides an array of coverage options to mitigate various risks.
- Convenient Mobile Application: Allstate’s app offers convenient access to policy information and facilitates claims filing.
Cons
- Elevated Premiums: Some homeowners may perceive Allstate’s premiums as higher compared to those of other insurers. For further details, refer to our Allstate insurance review.
- Limited Geographic Reach: Allstate’s operations may not extend to all regions, thereby restricting options for homeowners.
#4 – Geico: Best for Competitive Pricing
Pros
- Personalized Insurance: Geico tailors policies to match the individual requirements of homeowners.
- Financial Stability: Geico demonstrates robust financial standings through high ratings.
- Prompt Claims Processing: Geico is recognized for its quick and effective handling of claims. You can find further insights into their efficiency in our Geico insurance review.
Cons
- Limited Geographic Reach: Geico’s operations may not extend to all regions, resulting in restricted coverage options.
- Potential Elevated Expenses: Certain homeowners may perceive Geico’s premiums as higher when compared to those of competitors.
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#5 – Progressive: Best for Custom Options
Pros
- Broad Protection: Progressive presents an array of coverage options to safeguard against various risks.
- Package Discounts: Progressive offers incentives for bundling home and auto insurance policies together.
- Tailored Insurance: Progressive customizes policies to address the individual requirements of homeowners.
Cons
- Restricted Accessibility: Progressive’s coverage may not be available in every region, constraining homeowners’ choices.
- Service Issues: Certain customers express dissatisfaction with Progressive’s customer service quality. For further details, refer to our Progressive insurance review.
#6 – State Farm: Best for Personalized Service
Pros
- Tailored Insurance Solutions: State Farm crafts policies to precisely fit the unique needs of individual homeowners.
- Cost-Effective Pricing: State Farm provides rates that are both competitive and budget-friendly, ensuring homeowners receive exceptional value.
- Holistic Protection: As detailed in our State Farm insurance review, State Farm offers comprehensive coverage options that address a wide range of risks.
Cons
- Restricted Reach: State Farm’s services may not be universally accessible across all regions.
- Possible Rate Escalations: Over time, premiums with State Farm might experience increases, impacting the affordability for homeowners.
#7 – Nationwide: Best for Financial Strength
Pros
- Package Discount Opportunities: Nationwide offers savings opportunities for bundled policies, which could lead to reduced expenses. Refer to our Nationwide insurance review for further details.
- Comprehensive Risk Management: Nationwide presents a wide array of coverage options aimed at protecting homeowners from a multitude of risks.
- Supplementary Safeguards: Nationwide provides additional coverage options such as identity theft protection and flood insurance to enhance homeowners’ protection.
Cons
- Service Concerns: Certain clients express dissatisfaction with Nationwide’s customer service quality.
- Restricted Discount Variety: Nationwide’s range of discount offerings may not be as extensive as those provided by other insurers.
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#8 – American Family: Best for Discounts Offered
Pros
- Package Discount Opportunities: American Family enables bundling of home and auto policies, offering additional savings.
- Continuous Assistance: American Family delivers round-the-clock support for claims processing and inquiries.
- Effortless Comparison: American Family streamlines the process of comparing quotes from various insurers.
Cons
- Service Challenges: Certain clients express dissatisfaction with the quality of American Family’s customer service. See more in our American Family insurance review.
- Restricted Coverage Selection: American Family may provide fewer options for coverage compared to its competitors.
#9 – Travelers: Best for Financial Stability
Pros
- Discount Variety: Travelers offers a range of discounts aimed at helping homeowners save money.
- Supplementary Safeguards: Travelers provides additional protections such as identity theft and green home coverage to enhance homeowners’ security.
- Tailored Insurance Solutions: Travelers crafts policies personalized to meet the specific requirements of homeowners.
Cons
- Service Challenges: Certain customers express dissatisfaction with Travelers’ service quality, particularly regarding claims handling.
- Coverage Restrictions: According to our Travelers insurance review, Travelers may have limited coverage options available in certain areas.
#10 – Erie: Best for Enhanced Benefits
Pros
- Tailored Insurance Solutions: Erie tailors policies to align with the individualized needs of homeowners, ensuring comprehensive coverage.
- Savings Options: Erie provides diverse discount opportunities, allowing homeowners to reduce their premiums and save on costs.
- Efficient Claims Resolution: Erie is recognized for its responsive and timely claims processing, providing homeowners with peace of mind.
Cons
- Accessibility Limitations: Erie’s services may not be universally accessible in all areas, potentially restricting options for homeowners. Know their availability through our Erie insurance review.
- Possible Elevated Premiums: Certain homeowners may perceive Erie’s premiums as higher when compared to those of other insurers.
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Insuring Your Tiny House on Wheels in California
Coverage During Construction
Coverage During Towing
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Coverage While Parked in California
While some California tiny homes are mobile, many are permanent. Traditional home insurance doesn’t apply, but specialized tiny mobile home insurance offers coverage for structural damage and sometimes contents.
Liability insurance is typically not included. Consider manufactured home insurance for similar coverage. Thoroughly compare insurance options for construction, towing, and ownership to ensure proper protection. Comparing rates and policies is essential. Try now by entering your ZIP code.
Frequently Asked Questions
What types of insurance do I need for my tiny house in California?
To properly insure your tiny house in California, you may need construction insurance, towing insurance, and insurance while the house is parked. It is recommended to obtain RVIA certification to qualify for RV and auto insurance, which can provide collision, liability, and contents coverage.
Can I insure my tiny house during the construction phase?
What insurance do I need for towing my tiny house in California?
If your tiny house has RVIA certification, you can obtain RV coverage as well as auto insurance for towing. Ensure your RV policy includes coverage for the structure, liability, and contents.
If your tiny house doesn’t have RVIA certification, you can consider inland marine coverage paired with a renter’s policy to insure the home while it is being towed. Enter your ZIP code to compare.
What insurance options are available for my tiny house when it’s parked?
Traditional home insurance policies are usually not feasible for tiny houses. Look for specialized tiny home insurance providers that offer coverage for the structure and possibly the contents.
Alternatively, you can consider getting a quote for a manufactured home insurance policy, as these homes share similarities with tiny houses.
How should I compare insurance options for my tiny house in California?
What insurance options are available for a tiny house on wheels?
What options are available for tiny house homeowners insurance?
Some companies specializing in insurance for tiny homes include Chubb, AAA Tiny Homes, State Farm, and Geico. These companies offer policies tailored to the unique needs of tiny homeowners, covering aspects such as structural damage, contents, and liability. When selecting an insurance provider, it’s essential to compare policies and consider factors like coverage options, premiums, and customer reviews to find the best fit for your needs. Enter your ZIP code for details.
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