Park Model RV Tiny Home Insurance
How to Insure a Park Model RV Tiny Home
An overview of how insurance works for Park Model RVs, what to ask your provider, and how coverage typically changes after delivery. Built so you can get insured without overcomplicating the process.
Getting insurance on a Park Model RV is one of the final steps before you can fully enjoy your new space. With the right wording and the right type of company, the process is simple and predictable.
1. Know What You Are Insuring
All of our Park Model RVs are:
- RVIA certified
- Built to the ANSI 119.5 standard
- On a chassis designed as Park Model RVs
Insurance companies sort homes into categories. When you start calling around, you want your unit to land in the right bucket:
Where you want to land
- Park Model RV
- Manufactured or mobile home
- Specialty RV or seasonal coverage
Where you do not want to land
- Standard site-built home
- Tiny house or small dwelling
- Full homeowners policy
When you talk to an agent, a simple way to describe it is:
"I have an RVIA Certified ANSI 119.5 Park Model RV on its chassis, placed on private property."
Then add whether it sits in a backyard, on its own land, or in an RV or park community.
2. The Kind of Policy You Are Looking For
You are generally not bolting this onto a standard homeowners policy for a regular house. Most people end up with:
- Manufactured or mobile home insurance
- Park model insurance
- Specialty RV or seasonal home coverage
Those products are used to seeing a chassis under the home, with blocking and skirting rather than a full permanent foundation.
Common coverage pieces to ask about
- Physical damage coverage for the home
- Liability coverage
- Optional contents coverage for belongings inside
- Optional loss of use or additional living expense coverage
3. What a Normal Price Range Looks Like
Pricing varies by state, company, home value, and coverage levels. Several industry sources put typical mobile or manufactured home insurance in the $800 to $2,000 per year range, with policies higher and lower depending on risk and options.
Basic coverage, smaller homes
Standard policies with full coverage
Higher value or more coverage
If quotes come in many thousands above that range, the home is likely getting dropped into the wrong category or wrapped into a full dwelling package you do not need. Restate the Park Model RV language and try a different agent.
4. Basic Site Setup
Site setup matters mostly from a safety and common sense standpoint, not as a big extra hoop. Park Model RVs are only ever set on one of three systems:
Concrete Blocks
Standard cement blocks placed under the chassis at key support points, then leveled. The most common setup across the industry.
Metal Piers
Adjustable steel piers installed at chassis support points. Allows for fine leveling and is well suited to uneven terrain.
Diamond Piers
Used when a jurisdiction or lender requires a permanent foundation. Diamond Piers are engineered pin foundations driven into the ground for permanent anchoring.
The home is stable and properly set on concrete blocks, metal piers, or diamond piers. Water does not pool under it. The setup follows local rules. That is it. No full house-style foundation needed unless your jurisdiction or lender specifically requires one.
5. Information to Have Ready Before You Call
You will get much better and faster answers if you have this info in front of you:
- Year, make, and model of the Park Model RV (we send this once you place the order)
- Length and width
- Purchase price or replacement value
- Exact address where it will sit
- How it will be used: full time, guest house, Airbnb, seasonal
- Whether it sits in a backyard, RV park, or rural private land
Mention if you already have other policies with that company, like auto or a standard home. Bundling sometimes helps.
Copy and paste template for insurance agents
Subject: Insurance quote for Park Model RV Hi there, I am looking for an insurance policy for my Park Model RV and wanted to see what options you have available. Details about the home: - RVIA Certified ANSI 119.5 Park Model RV - On its chassis, placed on private property - Not a site-built tiny home or ADU - Used as: [full-time living / guest house / rental / seasonal] - Location: [city, state, zip] - Size: [length x width] - Purchase price / value: [amount] From what I understand, this usually fits under a manufactured home, mobile home, park model, or specialty RV-style policy, not a standard homeowners policy. Can you let me know: 1. If your company writes this type of risk 2. What type of policy it would fall under 3. A rough annual premium with: - Dwelling coverage - Liability coverage - Optional contents coverage If this is something you handle, I am happy to provide any additional details for a formal quote. Thanks, [Your name]
6. Five Providers Worth Calling First
Availability depends on state and local regulations, so confirm everything with a licensed agent where the home is located. These are common names in the park model, manufactured home, and specialty property space.
21st Mortgage Insurance Agency
For customers who finance their Park Model RV, 21st Mortgage is often the smoothest path. They already have your home details from the loan, understand Park Model RVs and manufactured housing, and can bundle the required insurance with the financing process.
If you finance through 21st Mortgage, start with their insurance offering first.
Foremost Insurance
Well known for mobile, manufactured, and park model home coverage, including homes in parks or on private property. You will usually work through a local agent, but the main number gets you pointed in the right direction.
American Modern Insurance
Focuses heavily on specialty property types, including manufactured homes and related structures. If an independent agent writes a lot of manufactured or mobile homes, American Modern is often one of their go-to companies.
CoverTree
A newer, tech-forward company that specifically markets insurance for manufactured, modular, and park model homes. Set up to handle things online and over the phone, which helps when local agents are unfamiliar with park models.
National General
Part of the Allstate family. Offers RV and specialty property coverage in many states, sometimes used for park models. If you already have auto or RV coverage with them, ask if they can cover your Park Model RV at your location.
7. What Happens If You Use the Wrong Language
If you call around saying "tiny home" or "small house on a trailer," you are more likely to:
- Get pushed toward full dwelling policies aimed at small site-built homes
- Be told it must sit on a permanent concrete foundation
- Hear "we do not insure those," even though they would insure the right category
That experience is common and is usually misclassification, not a problem with your home.
Call it an RVIA Certified ANSI 119.5 Park Model RV. Ask for manufactured, mobile, park model, or specialty RV style coverage. Start with companies that already see these units regularly. You will land on a reasonable policy faster.
8. Final Checklist
- Describe your home as an RVIA Certified ANSI 119.5 Park Model RV
- Ask for a manufactured, mobile, park model, or specialty RV style policy
- Have basic details ready: size, value, location, and how you plan to use it
- Get quotes from two or three companies so you can compare
We are here to help any way we can. If questions come up while you are working through this, reach out.
Still have insurance questions?
We will walk you through the language, the typical pricing, and which provider fits your situation best.
