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Your 2024 Guide to Tiny Home Insurance with Michael Carmona

Updated on:
May 2, 2024
2024 Guide to Tiny Home Insurance

Image Source: Canva

When it comes to building tiny homes, insurance is as crucial as the design and construction phases. Recognizing the necessity of tailored insurance solutions for these unique dwellings, Michael Carmona, a pioneer in the field, has crafted specialized policies catering to the specific needs of tiny homeowners.

Michael Carmona, Owner, MAC Insurance, Inc.

As the founder of Mac Insurance, Carmona offers deep insights into the importance of protecting such an investment. "Tiny home insurance might not be the first thing people think about when buying a tiny house, but it's essential for safeguarding your home against unforeseen events," Michael states at the beginning of his enlightening session in the DIY Fest.

1. Understanding Tiny Home Insurance

Tiny home insurance is a critical aspect often overlooked by many until the last moment. Michael elaborates on his journey to establishing Mac Insurance, a firm that provides clarity and simplified solutions in the often murky waters of tiny home insurance. 

"Our goal is not just to offer insurance but to ensure our clients fully understand what they're purchasing and why it's necessary," Carmona explains.

2. Different Types of Tiny Home Insurance

Michael discusses several insurance types that tiny home owners might encounter:

  • RV Insurance: Often mistaken for a viable option for tiny homes, RV insurance is specifically designed for recreational vehicles, which many tiny homes are not. Michael warns, "RV insurance has limitations and restrictions that may not cover the full spectrum of needs for a tiny home resident."
  • Mobile Home and Park Model Insurance: These policies cater to homes under 400 square feet that remain stationary. While they offer comprehensive coverage, they are not suitable for homes designed to be moved or those not adhering to specific codes.
  • Van Conversions and Schoolies: A niche category with its unique challenges. As Michael points out, "Insuring a converted van or school bus requires understanding the distinct differences from traditional tiny homes, which many insurers overlook."

Michael further emphasizes the importance of choosing the right type of insurance. "Our tiny house homeowners insurance program is custom-built to ensure tiny houses, providing peace of mind and protection tailored to the unique lifestyle of our clients," he asserts.

3. Insurance Coverage Explained

In his session, Michael breaks down essential coverage elements that every tiny home owner should consider:

  • Dwelling: This covers the physical structure of the tiny home. It's crucial to ensure that the coverage amount accurately reflects the replacement cost, not just the market value.
  • Personal Property: Covers the contents of the home, such as electronics, clothes, and other belongings.
  • Liability: Protects the owner from financial loss if they are sued for injuries or damages that occur on their property.

Michael stresses the comprehensive nature of Mac Insurance's offerings, stating, "We go beyond the standard to also cover theft, mobility, and even full-timer insurance, which are often excluded in traditional policies."

Image Source: Canva

4. Challenges and Misconceptions in Tiny House Insurance

One of the session's most informative segments addresses common misconceptions and challenges. Michael explains that not all structures are eligible for tiny house insurance. "Creativity in building tiny homes is fantastic, but not every innovative structure qualifies for insurance under traditional definitions," he remarks.

5. Mac Insurance: Services and Coverage

Mac Insurance offers a range of services that cater specifically to the tiny home community:

  • Coverage for Alternative Living Spaces: In addition to traditional tiny homes, Mac Insurance covers yurts and container homes, which are growing in popularity but often face insurance hurdles.
  • Builder's Risk and General Liability: For tiny house builders, Mac Insurance offers comprehensive coverage that protects against construction risks and liabilities.

Michael is proud of the flexibility and comprehensiveness of his agency's offerings. "Whether you're a builder or a homeowner, we understand the specifics of your needs and provide coverage that meets these demands," he adds.

6. Making the Right Insurance Choices

Choosing the right insurance requires understanding the unique aspects of tiny living. Michael advises, "Ensure your policy reflects the true replacement cost of your home to avoid underinsurance, which can be a costly mistake in the event of a claim."


Throughout his session, Michael Carmona emphasizes the importance of tailored insurance solutions for tiny homes. His insights shed light on the complexities of insurance in this niche market and underscore the necessity of having adequate protection. "Protecting your tiny home with the right insurance is not just a financial decision but a crucial part of maintaining your lifestyle," Michael concludes.

For those navigating the intricacies of tiny home ownership, reaching out to experts like Michael at Mac Insurance can make all the difference in securing a policy that offers both security and peace of mind.

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