TINY HOUSE INSURANCE.

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Coverage A DwellingThis is the value used for the replacement of your tiny house if it were to get damaged.

Coverage C ContentsAll personal belongings inside your house.

Trip EndorsementWe can make sure you are always covered on the go.

LiabilityProvides coverage for inside your premise and outside your premise.

Why Tiny House Insurance Policies Are Being Canceled

Many tiny house owners assume that once a policy is issued, they are protected for the long haul. In reality, carriers are canceling and non-renewing more tiny house policies because custom builds do not fit cleanly into traditional home, RV, or manufactured-home categories.

Tiny house coverage insight
Insurance companies want predictable risk. Tiny homes are rarely one-size-fits-all.

Michael from MAC Insurance explains what can trigger cancellations, what happens after a claim is reviewed, and why generic coverage can leave major gaps.

Policies can be non-renewedCarriers may re-evaluate tiny homes after underwriting changes, inspections, or claims.
Custom builds create gray areasDifferent materials, certifications, and usage can make traditional policies a poor fit.
Claims receive closer scrutinyAn adjuster may discover details that do not match the policy originally written.

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Get a Second Opinion

Replacement cost coverage under the co-insurance amount guide

Replacement Cost & Co-InsuranceSee how replacement cost coverage worksClick to view the full guide explaining insurance-to-value, co-insurance penalties, depreciation, and why the insured amount matters.For tiny homes, the right coverage amount should reflect the real cost to repair or rebuild custom materials, appliances, labor, and attached features.Insure close to rebuild costReplacement cost works best when the insured value is close to the real cost to rebuild.Avoid underinsurance gapsIf the home is insured too low, claim payments may be reduced after a loss.Review the detailsDIY builds, decks, solar, sheds, and upgrades can all affect the amount needed.View full guide

What Sets MAC Insurance Apart

MAC Insurance, Inc. understands that tiny homes do not always fit neatly into a standard homeowners policy or a basic RV policy. Our tiny house insurance approach is built around the details that make these homes unique: how they were built, where they are placed, whether they move, and how they are used.

Tiny house focusedOptions for DIY builds, professionally built homes, tiny homes on wheels, container homes, skoolies, yurts, cabins, and other unique small structures.
Coverage that fits real lifePolicies can address trip endorsements, theft of the entire tiny home, liability, contents, and detached structures like decks, sheds, and solar panels.
Niche guidanceMAC Insurance works with tiny house owners across more than 40 states and has built relationships throughout the tiny house community.

Coverage A Dwelling

This is the value used for the replacement of your tiny house if it were to get damaged. We insure as low as $25,000 to as much as $150,000.

Coverage B Other Structures

This is for your solar panels, built on decks, sheds, and other property structures that are not part of the tiny house.

Coverage C Contents

All personal belongings inside your house. If you were to turn your tiny upside down and shake it, whatever falls out would be part of your personal property.

Theft of Contents

We can also offer up to $3,000 in theft coverage for your belongings.

Trip Endorsement

If you're the type of person who travels with your home or needs to move it from an old location to a new location, we can make sure you are always covered on the go.

Theft of Tiny Home

If you are worried about your tiny house being stolen then you need this! 100% Coverage A replacement cost of the tiny house in cases of theft.

Tiny House/Yurt Questionnaire

If you are interested in a quote for your tiny house feel free to fill out the form below or contact us through our contact page.

We've gone ahead and answered many frequently asked questions below to help give a better understanding on what we do and what we can provide.

Tiny House/Yurt Questionnaire

Ready to tell us about your tiny home? Open the secure questionnaire when you are ready and a MAC Insurance specialist will review the details.

Start the Questionnaire

Google Reviews

TESTIMONIALS

      EXCELLENT  
   Based on 30 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Maggie 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience working with MAC Insurance. Michael was professional, responsive, and very knowledgeable throughout the entire process. He took the time to answer my questions, explain my options clearly, and helped me secure the coverage needed for my business. The process was smooth, communication was excellent, and I always felt informed every step of the way. I appreciate the level of customer service and attention to detail that was provided. I would highly recommend MAC Insurance to anyone looking for reliable insurance solutions and personalized service. Thank you, Michael, for your assistance and professionalism!
  
 
      Posted on Google  
   
   Becky Tengwall 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael is super easy to work with. Great customer service. I highly recommend him.
  
 
      Posted on Google  
   
   Streamline Motorsports LLC 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael at MAC Insurance is a great agent. Always so helpful and very fast answering all your questions. Communication is the best. If you need an insurance agent he is the one you want to work with. We highly recommend MAC Insurance, Inc.
  
 
      Posted on Google  
   
   Jessie Wheeler 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with Mr. Carmona on my Medicare Advantage Insurance. Mr. Carmona knows what is important to me and we always review before he does his research. He comes back with several options, advising me on each one and which one he thinks will work best for me. It's very important to me to be able to keep my doctors. I have worked with MAC insurance for the past two years and plan working with them again this coming Oct.
  
 
      Posted on Google  
   
   David Stone 
 
 
 
 Trustindex verifies that the original source of the review is Google. Our long-time agent, Michael Carmona, is truly a joy to work with! Incredibly patient, very thorough, easy to work with, and very humane in approach. In fact, I always look forward to speaking with him. Michael, THANK YOU!
  
 
      Posted on Google  
   
   Steve Raff 
 
 
 
 Trustindex verifies that the original source of the review is Google. The company is easy to work with and prompt with answering any emails.  They make the purchasing of insurance easy, as well as the renewal.
  
 
      Posted on Google  
   
   MaLick 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael is super professional and easy to work with. Highly recommended for small business owners looking to get a fair insurance plan!!
  
 
      Posted on Google  
   
   Amerika Rojas 
 
 
 
 Trustindex verifies that the original source of the review is Google. I've been using MAC Insurance Inc for my business for a few years now and I love their service. The communication is always great,  we get the best quotes on policies, and we feel secured.

Tiny house coverage help

Ready for a tiny house insurance quote?

Tell MAC Insurance about your build, location, and how you use your tiny home. A specialist will help you understand the right next step before you choose coverage.

Stationary or mobile tiny homes
Yurts, skoolies, cabins, and custom builds
Coverage guidance by use and location

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