Modern society can feel large and overwhelming. Living in a big city, traveling to work in rush hour traffic, and being perpetually connected to the world through social media are all factors that contribute to the state of the overwhelming size that we find ourselves being swallowed up by.
Many folks have resorted to the tiny house movement to feel more connected to their humanity and in touch with the intimate side of life. These homes can be on wheels or stationary, and their locations are various and flexible. However you may choose to customize these types of small residences, there are a number of factors that must be considered.
Need to know about tiny house insurance, it is just as much of a necessity as insurance for a normal home. Unlike the usual insurance procedures, though, there are some caveats to consider before moving into one of these little abodes.
This article will cover the basics of tiny house living, what you can do to make sure the house is properly insured, and the misunderstandings and forgotten details to this alternative lifestyle choice that has become so popular as of late.
What is it like to live in a tiny house?
Tiny house living has been taken up by so many people because it allows an escape from the bigness of modern society. Folks who are considering living in a tiny house are usually nomadic, enjoy being surrounded by the environment, and care about returning to simpler times before overpopulation and overcrowding in big cities.
Tiny house living is eco-friendly, something that is harder for large homes to accomplish because of the number of resources they take up. Normal-sized homes are going to use more water, quite a bit of electricity, and there will be more waste produced than inside of a tiny house.
Tiny homes are not going to be an enjoyable venture for large families for obvious reasons. The lack of size in one of these units makes it an ideal scenario for one to two people, but adding children could make it detrimental to their mental state.
Kids already feel like they don’t have any privacy from the world, so being confined to such a condensed space is a harrowing experience. The location of most of these tiny homes makes it difficult for children to play with their friends and make new ones, so you could be damaging their social lives as well.
On the contrary, if you decide to buy a mobile tiny home, you can move it into the city and change up your location if you decide that your environment is making you feel claustrophobic. Tiny homes on wheels are considered RVs by most government codes, so make sure you understand the zoning laws of your area before plopping your house in the middle of one.
As long as you have verified the legality of your living space, imagine how fun it could be to see different parts of the world and take your home on your back with you? Most people have to sell their house when they move, but tiny homes allow for the luxury of keeping the place you love and still seeing the world.
How do you insure a tiny house?
Tiny house living requires some extra research as it relates to buying homeowners insurance. Most important to consider is whether the house will be mobile. Most of the time, you will need RV insurance if your tiny house is on wheels, and it will need to be built by a manufacturer-approved by the RV insurance policy.
Tiny houses that are built personally (a trend that has been gaining steam in recent years to add another touch of simplicity to the homeowner’s life) are much more likely to be passed on by insurance companies because the home’s structural constraints are not verified by third-party builders.
Don’t throw in the towel if you built your house yourself, though. There are some companies that will give you insurance for your tiny home if you put in the time and the research to compare prices and policies. Insurance companies are well-aware of the diversity of homes on the market and how to negotiate with customers about their needs.
Other factors to consider for insurance purposes are the size of the tiny house, as there are varying shapes and forms, and its location on property that is hazardous or at risk of damage from natural causes. Hurricanes, volcanic eruptions, and other emergency pitfalls are all going to detract from the attractiveness of the home to potential insurance companies.
What types of people should live in a tiny house?
Tiny houses are not for everyone. The demographic and life circumstances that define who you are should be heavily scrutinized when deciding whether to live in one of the houses.
Many retired folks may find it suitable to live in a tiny house, but what if you are at risk of health problems that make it so that you should be living in a bigger area and bustling city that is easier to traverse? Ambulances and hospitals are going to have a hard time making it into the forested or other secluded areas that non-mobile tiny homes are built on.
If you are a single person, you don’t have to worry about anybody else’s desires, but what if this is the first time you are living with a spouse or partner? Their needs are going to be pivotal and without both parties being on the same page, the close quarters you are living in could drive both people to the brink of their mental states.
You need room for your aspiring career working remotely, and your partner needs room to invite friends or colleagues over from the job to get to know them better. When there isn’t enough space for your lifestyle, you should think about whether you want to sacrifice your tiny home or your hobbies and employment.
Wherever you fall on the scale, young or old, vital or unhealthy, always consider your options before moving into any unique living situation. If you are excited at the prospect of tiny houses, and you have made yourself aware of all the pros and cons, then it sounds like it might be time to move into one.
Shawn Laib writes and researches for the insurance comparison site, Clearsurance.com. He enjoys helping new families understand the pros and cons of buying a house and the insurance policies that are offered to them.
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