Tiny Home Insurance
Tiny Home Insurance – good insurance for living small
Tiny homes may be small, but the risks are just as real. Whether your tiny home is fixed on wheels on your land in country towns or on your farmland, the right insurance protects you from unexpected events like fire, storms, flood, hail, cyclone, theft, and accidental damage.
We help you find practical, affordable cover designed specifically for tiny home living—so you can enjoy your lifestyle without the stress.
Tiny Home Insurance is a specialised policy tailored to the unique needs of tiny home living.
Why It’s Important?
Tiny homes are a valuable investment. Without insurance, repairs, replacements, or liability claims can be costly. Having the right insurance ensures you can help you enjoy a lifestyle minimising the worrying about financial setbacks caused from accidents or disasters.
What It Covers
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Sudden and Unforeseen Damages: Fire, storm, or other unforeseen damage
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Theft & Vandalism: Protect your home and personal belongings
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Liability Cover: If someone is injured or property is damaged
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Contents Cover: Furniture, appliances, and valuables inside your home
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Portable & Mobile Coverage: Optional protection for movable or mobile tiny homes
Home & Contents Insurance - for Tiny Homes
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This insurance protects tiny homes that are:
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Kept in a FIXED location.
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Connected to external power and water supplies.
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On land that YOU own.
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Owner-occupied (primary place of residence) or
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Holiday homes/Weekenders (but not used as short-term rentals).
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Provides cover for home and contents insurance (as selected).
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Provides Domestic and Property Owner Liability cover.
Landlord Insurance - for Tiny Homes
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This insurance protects tiny homes that are:
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Kept in a FIXED location.
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Connected to external power and water supplies.
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On land that YOU own.
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Permanent rentals (long-term tenants).
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Holiday/Short-term rentals.
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Holiday homes/Weekenders that are also used as Short-term rentals.
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Provides cover for Buildings and Landlord Contents Insurance (as selected).
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Provides Domestic and Property Owner Liability cover.
Tiny Home Insurance - What is NOT covered
It is very important to read and review the terms of the quoteation/cover in conjunction with the policy wording.
1) Tiny Houses in Transit - Not Covered
There is no cover for any Tiny House while in transit or being moved. If you are intending to move the tiny house, then you will need to insure the transport separately or choose a towing company that has insurance coverage.
2) Rural and Business Occupation Liability - Not Covered
There is no cover for business or rural liability insurance for any additional activities being carried out at the property. Feel free to discuss this with the broker who is assisting with your Tiny House application. We may be able to provide additional solutions for you.
3) Local Council Guidelines
Each local council has differing rules for the occupancy and permit of a tiny house on wheels. It is your responsibility to comply with any/all council regulations. Non-compliance may have a negative effect on the outcome of an insurance claim.
We aim to get you the right insurance at the best premium